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Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	Where is the world's tallest apartment block?
A	The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Victoria Luhring
The Danberry Company
3555 Briarfield
Maumee, OH. 43537
419 460-5587
Fax: 419 794 6979
Email: victorialuhring@NUMBER1EXPERT.com

Personal Phone

Main: 419 794 6979

Mobile: 419 460-5587

Fax: 419 794 6979

Service Area Information

Office Area(s): Toledo, Maumee, Perrysburg, Oregon

Additional Service Areas: Sylvania, Holland, Waterville, Whitehouse, Ottawa Hills, Rossford, Bowling Green, Swanton, Lyons, Delta, Northwood, Grand Rapids, Monclova

Professional & Personal Distinctions

Designations: Certified Luxury Home Marketing Specialist, (CLHMS) Relocation Specialist, New Home Construction Specialist, (CSP) Accredited Buyer Representative (ABR), Certified Buyer Representative, Certified Residential Specialist (CRS), Graduate Realtor Institute (GRI), Accredited Staging Professional (ASP) Senior Real estate Specialist (SRES). e-PRO Internet Professional.

Awards/Clubs: Lifetime Achievement
Life Time Member of the Million Dollar Club
Award of Distinction and Excellence in Performance
National Award of Excellence - Internet Marketing

Hobbies: Skiing, Working Out- Fitness, Travel, My Kids Sports and Cleaning - Yes I love to clean and organize

Civic Activities And Charities: Toledo Childrens Hospital, United Way, Cedar Creek Church, Cherry Street Mission

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NUMBER1EXPERT™ in real estate for Sylvania, Perrysburg, Toledo and Maumee, Ohio, riverfront properties, condos, villas, Maumee

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