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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KARI CHRIST w/ THE CHRIST TEAM
Keller Williams Realty
823 S. Austin Avenue, Georgetown, TX 78626
Phone: 512-863-2220
Direct: 512-784-8181
Fax: 512-868-6917
Email: Kari@KariChrist.com

Real Estate is my profession and my passion; it never grows old. Each client I work with has different wants, different needs, different personalities, different styles, different backgrounds, different likes and dislikes, different areas and different neighborhoods. It makes every day and each transaction unique!

Trust is what I build my relationships on, both in my personal life and my professional life. I live by the GOLDEN RULE and I want it show vividly in everything I do. My past clients, both buyers and sellers, know that I listen first to their needs and expectations and follow with what is important to them. I realize it is the little things that can make a big difference.

Most consumers have a friend, a relative, or someone they know with a real estate license. I know the overwhelming feeling that comes with having to choose an agent. A few key things to look for are: Find someone that has several years of experience, that is professional, that works real estate on a full-time basis, that has earned various accreditations and training, that works for a large local brokerage, and that has testimonials from satisfied clients. (I have all of those qualities because I want to ensure my clients experience a first-class real estate transaction.)

My promise to you is this: I will strive not only to meet your expectations, but to exceed them. I will invest my time consulting, negotiating and caring for the needs of your real estate transaction. My goal is for you to have a superb experience which causes you to share my name with friends, family and co-workers. Yes, I actually like it when people talk about me!

Contact me today and we can get started on your move.

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