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School Reports in El Paso, TX and Santa Teresa, NM, Texas

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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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Q	What home is the best example of colonial architecture in homes designed to "grow" as the family grew?
A	The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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RE/MAX Elite Team, REALTOR®, real estate agent and broker for El Paso, TX and Santa Teresa, NM, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

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