Sonoma Valley, Sonoma and Sonoma County real estate and homes for sale in California - Jacque Scott, REALTOR® Jacque Scott REALTOR(r) for Sonoma Valley, Sonoma and Sonoma County, California real estate - NUMBER1EXPERT™ Jacque Scott NUMBER1EXPERT(tm) for Sonoma Valley, Sonoma and Sonoma County, California real estate

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Jacque Scott, REALTORŪ, real estate agent and broker for Sonoma Valley, Sonoma and Sonoma County California home listings, property and land for sale - NUMBER1EXPERT(tm)
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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 characteristics must a home have to be considered a prestigious property?

A 
Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Jacque Scott, REALTORŪ, real estate agent and broker for Sonoma Valley, Sonoma and Sonoma County California home listings, property and land for sale - NUMBER1EXPERT(tm)

Jacque Scott
Sotheby's International Realty

25 E. Napa Street
Sonoma, CA. 95476
Direct Line: 707-935-2505
Cell: 707-337-1041
Fax: 707-933-8192
Email: Jacque@WeSellSonoma.com
Email: jacque.scott@sothebysrealty.com

With over thirty years of experience with buying, selling and developing real estate, Jacque's clients have come to expect the best. Representing both buyers and sellers, and giving all clients an in depth consultation on all aspects of the real estate transaction, Jacque is your BEST choice! She specializes in residential real estate in both Marin and Sonoma County. Call or email Jacque today!!!

CRSEqual HousingMLSREALTOR


Sotheby's International Realty real estate and homes for sale in Sonoma Valley, Sonoma and Sonoma County California

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