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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Marie and Ron Dinsmore, a proven Cumming - Alpharetta - Duluth - GA - Georgia NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
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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Real Estate Trivia
Q 
What private residence is considered the most expensive house ever built?

A 
The William Randolph Hearst Ranch in San Simeon, California cost over $30 million, equivalent today to $276,883,320. Bill Gates recently built a home for over $40 million.
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The Dinsmore Team
RE/MAX 400 North

391 Quill Drive
Suite 100
Dawsonville, Georgia 30534
Office: : 678-455-3048
Cell: : 770-712-7789
Fax: : 770-888-7793
Ron@DinsmoreTeam.com
Marie@DinsmoreTeam.com

The Dinsmore Team represent an established Re/Max platinum award winning real estate team that builds relationships through authenticity, trust and transparent communication. Whether Buying, Selling, Renting or Investing, the Dinsmore Team will represent you with the highest degree of integrity. Our specialties are Residential, Luxury Estates, Waterfront Properties, Resales, Relocation, Acreage, Condominiums, Townhomes and Investment Properties.

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