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Team Birtola-Garmyn, REALTORŪ, real estate agents and broker for Bend, Redmond and Sunriver Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

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Real Estate Trivia
Q 
What economic factor can make the purchase of a home an excellent long-term investment?

A 
Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Team Birtola-Garmyn, REALTORŪ, real estate agents and broker for Bend, Redmond and Sunriver Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Team Birtola-Garmyn
Prudential High Desert Realty

101 NE Greenwood Ave Suite 100
Bend, OR 97701
Phone #: 541-312-9449
Toll Free #: 800-816-9449
Fax #: 541-312-8598
E-mail: clientservice@prudentialhighdesertrealty.com

Team Birtola - Garmyn, Oregon's and the Pacific NW # 1 Prudential team is a winning combination of professional realtors and assistants committed to satisfaction for each and every client without compromise.

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