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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
Q 
What is the mysterious American island whose private owners are intent on preserving the ways of early island life?
A 
The Robinson Family, owners of Niihau, Hawaii, have done everything in their power to preserve traditional ways.
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Jim Clauser, REALTOR®, real estate agent and broker for Athens, Watkinsville and Colbert, Georgia home listings, property and land for sale - NUMBER1EXPERT

Jim Clauser
RE/MAX Associates Athens - Oconee, Inc.
1055 Baxter Street
Athens, Georgia 30606
Licensed in the State of Georgia
Direct: 706-433-2670
Toll Free: 800-202-0805
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Jim@JimClauser.com

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