Sitemap: Home Buying in Birmingham, Hoover and North Shelby County, Alabama

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For Buyers: Birmingham, Hoover and North Shelby County Alabama home buying, real estate listings, and homes for sale in Shelby County, AL

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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 real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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The Whatley Group, REALTORŽ, real estate agent and broker for Birmingham, Hoover and North Shelby County Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Howard Whatley
RE/MAX Southern Homes
104 Inverness Corners
Birmingham, AL 35242
205.981.1918
205.527.9318
205.313.8500
Fax: 205.313.8501
Email: HowardWhatley@charter.net
Howard and Kelley Whatley are a successful husband and wife team demonstrating honesty and integrity with a genuine interest in people. Howard and Kelley always make your dreams their goal. When you are buying and/or selling property in today's real estate market, it's important to have confidence in your real estate professional. Howard has carefully selected a team of real estate professionals to help you quickly and effectively sell your house for the highest price in the shortest amount of time and/or locate the home that is perfect for you. From the preparation of your house for marketing as a seller, to the home search as a buyer, to the loan process and closing, Howard and Kelley Whatley and The Whatley Group will use their expertise and proven home-marketing system to provide focused, dependable, and caring results.

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