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For Realtors: Destin, Seagrove, and Beaches of South Walton Florida home buying, real estate listings, and homes for sale in Walton County, FL

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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	What island was sold to Peter Minuit by the Indians for goods valued at 60 guilders ($24)?
A	Peter Minuit arrived with a group of Dutch settlers in 1626 and purchased what is now known as Manhattan.
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Willee Skibbe's Team Paradise, REALTOR®, real estate agents and broker for Destin, Seagrove, and Beaches of South Walton Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Willee Skibbe's Team Paradise
Destin Real Estate Company
3305 W. Scenic Hwy 30-A
Santa Rosa Beach FL 32459
Willee Skibbe: (850) 865-0891
Fax: (850) 231-5042
E-mail: willeeskibbe@NUMBER1EXPERT.com
With a combined 34 years of experience in the real estate industry, we specialize in listing and selling fine resort properties, condominiums, land, homes and estates along Florida's beautiful Emerald Coast, especially in planned and architecturally designed communities. Our area encompasses Okaloosa & Walton Counties, including such popular locations as Destin, Sandestin, Santa Rosa Beach, Blue Mountain Beach, Grayton Beach, Seaside, Seagrove Beach, Rosemary Beach, Okaloosa Island, Fort Walton Beach, Freeport & Defuniak Springs.

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NUMBER1EXPERTS™ in real estate for Destin, Seagrove, and Beaches of South Walton, Florida, Walton, real estate, homes, realtor

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