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Chaska Real Estate agents Article Summaries

Realtors Get Ready To Make More Money For Less Time – Times are changing and so is the industry!
By: Scott Johnson: Does your day sound like this? Check the MLS for properties for a new client, return calls, place an ad for a new list... 75 billion dollars in real estate commissions! Even though the real estate industry is booming most real estate agents ...

How to Build a Real Estate Investing Power Team
By: Adem Hamidovic: As you continue to read about real estate investing, you will no doubt come across the term 'power team'. What is this... was going to be listed on the mls in two days time, but since Elizabeth let me in on the deal early I was able to close...

Real Estate Websites - Head Librarian Or Realtor?
By: Bob Schwartz: If your real estate website has an IDX link, do you provide the full property address to Web surfers? If so, you may b... real estate site is: http://www.downtown-san-di...

Customer Service – the Real Estate Revolution
By: Glenn Murray: Traditionally, real estate has been viewed as a sales industry. But perceptions are changing. Agents around the countr... this might be indicative of their customer service approach. Glenn Murray heads advertising copywriting studio Divin...

Dealing With Dual Real Estate Agents
By: Jakob Jelling: Historically, real estate agents have represented the seller of a property. The seller, after all, is usually the one ... you've decided to work with a dual agent, this will need to be disclosed to both the buyer and seller, and they both ha...

Featured Article

Easing Your Way Into Homeownership: How Your Real Estate Agent Can Help You Qualify For A Low Down Payment Mortgage

W. Troy Swezey

For many renters, the first step in buying a home is becoming educated about the process. If you’re like many people considering a home purchase, you’ve spent nights and weekends poring over your local real estate section. You’ve talked to friends and relatives about their experiences. Maybe you’ve even purchased a book or tow to help you become more familiar with real estate terminology and the various types of mortgages commonly used today.

Coming up with a down payment and finding a loan that meets your needs are the greatest hurdles faced by first-time homebuyers. So, you may even have leafed through stacks of brochures and flyers from lenders offering down payments that are far less than the 20 percent you’d always thought you’d need to save before you could buy. With so many excellent first-time buyer programs to choose from these days, you practically need to be an expert to sort through them all.

That’s why if you’re a first-time homebuyer seeking a low down payment loan, you’ll save time by selecting a professional real estate agent who is experienced in working with people just like you in the area where you plan to buy. An agent who frequently assists first-time buyers will know from experience which lenders in your area offer a low down payment program that will most closely match your needs.

A professional real estate agent can help you determine whether you are likely to qualify for these special programs, since participation in some may be limited to buyers under a certain income level or for the purchase of homes below a certain purchase price. Your agent also will be able to tell you whether there are other requirements you must fulfill in order to be considered. With some programs, for example, you must attend an educational seminar before you can be considered for one of these low down payment loans.

It’s important that your agent become familiar with your current financial situation. Before you meet with your agent to discuss your financial situation and housing needs, you’ll want to collect some basic information to make the process easier. Be prepared to show recent paycheck stubs or pay vouchers to certify sources of income; a complete list of current credit card, auto and other consumer credit payments you make each month; and recent bank and savings statements. These documents will help you and your agent determine how much home you can afford. It’s also important that you disclose any prior credit problems or late payments. Your agent may be able to suggest ways to remedy any negative remarks on your credit report that could disqualify you from a low down payment loan program.

In addition, because most lenders will require that you have several months of house payments in the bank as a reserve, your agent may be able to suggest ways you can increase your savings in the weeks and months leading up to your home purchase. Don’t forget that some programs allow you to apply a cash gift from a family member to cover the required down payment and losing costs.

Your agent also may know a motivated seller who would be happy to assist you in accomplishing your home purchase by caring a second mortgage. A second mortgage is helpful because it reduces the amount of the first mortgage you need to obtain. In some cases, a second monthly payment and generally is required to protect the lender when a down payment is less than the standard 20 percent of the loan amount. Even if your seller isn’t willing to take a second mortgage to complete the sale, he or she may be willing to pay your closing costs, which will reduce the amount of cash you need to have on hand up-front.

With interest rates edging up, innovative mortgage financing programs that require a low down payment are even more important than ever to first-time buyers. A professional real estate agent can help you sift through the countless programs that are available and help find the one that’s mortgage can eliminate the need for private mortgage insurance, which is added to your right for you.

W. Troy Swezey is the author of “EASING YOUR WAY INTO HOMEOWNERSHIP: HOW YOUR REAL ESTATE AGENT CAN HELP YOU QUALIFY FOR A LOW DOWN PAYMENT MORTGAGE." As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, “Real Estate Secrets Exposed.” http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net

Chaska Real Estate agents Resources
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Chaska Real Estate agents

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Easing Your Way Into Homeownership: How Your Real Estate Agent Can Help You Qualify For A Low Down Payment Mortgage