Katy, Houston and Sugar Land real estate and homes for sale in Texas - Liz Carter's Team - REALTOR®

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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 area in the United States has the highest per capita income?
A	The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data.
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Liz Carter's Team, REALTOR®, real estate agents and broker for Katy, Houston and Sugar Land Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Liz Carter's Team
Liz Carter & Team Realty
21949 Katy Freeway
Suite D
Katy, TX 77450
281-391-SOLD (7653)
Toll Free: (800)783-4041
Fax: 281-392-2910
liz@lizcarter.com
Since 1976, Liz Carter and her team have been delivering what buyers and sellers need most - Results! In the Houston & Katy area market, whether you are buying or selling your home, we deliver the highest degree of professionalism and responsiveness with a focus on quick and efficient real estate transactions.

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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from a Katy, Houston and Sugar Land, Texas NUMBER1EXPERT(S) Top Selling real estate agent(s). Contact Liz Carter's Team today!
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