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Real Estate Tips
First Time Buyers >More Down Payment Help
One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.
Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.
With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.
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Real Estate Trivia
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What was the first land designated by the US government as a National Park?
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| A |
Yellowstone was established "as a public park or pleasuring ground for the benefit and enjoyment of people" in March 1872. |
 See More Real Estate Trivia > |
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Heidi Hovatter
Century 21 Wildwood
22910 Twain Harte Drive
PO Box 548
Twain Harte, CA 95383
Cell #: 209-743-3010
Fax #: 209-396-2285
Email: Heidi@SonoraProperties.com
Heidi Hovatter is one of America's NUMBER1EXPERTS™. Heidi will gladly represent you in the purchase of any home in Tuolumne County, including Sonora, Jamestown, Columbia, Twain Harte, Soulsbyville, Mi Wuk Village, Tuolumne, Cold Springs, Pinecrest, and Strawberry. Specializing in Buyer Representation ...she would love to help you find your dream home and add you to her real estate family. Whether you are seeking a family home, luxury estate, vacation home, NEW HOME or RESALE, Heidi and you will find your perfect home together. Heidi represents YOU, the Buyer, you get the benefit of her knowledge, experience and professionalism. “It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.”     
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