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Buying and selling a home is one of the biggest events in your life. As top Glen Ridge, Montclair and Bloomfield real estate agents, we have the experience and track record you are looking for. Please let us help.

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School Reports in Glen Ridge, Montclair and Bloomfield, New Jersey

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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 are the three most common environmental toxins for which homes are tested?
A	Mold, asbestos, and lead are tested by specialized inspectors as a regular part of many real estate contracts.
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Amy Owens and Kevin O'Keefe, REALTOR®, real estate agent and broker for Glen Ridge, Montclair and Bloomfield, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Amy and Kevin
Rhodes, Van Note and Company
635 Valley Road
Upper Montclair, NJ 07043
201-396-2927
Fax: 973-744-7997
AmyOwens@NUMBER1EXPERT.com

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