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Dear Sarah and Mal, Now that the holidays are over, I want to take a moment to thank both you
Lois Mattson
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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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Q	What is the longest construction time for a private residence?
A	The Winchester House in San Jose, CA, was under construction for over 38 years.
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'The A Team', REALTOR®, real estate agents and broker for Bonita Springs, Fort Myers and Naples Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

"The A Team"
John R Wood, Inc. Realtors
26269 S Tamiami Trail
Bonita Springs, FL 34134
Sarah Cell: 239-398-8333
Mal Cell: 239-398-9908
Fax: 239-390-0876
sarahandmal@NUMBER1EXPERT.com

“The A Team” MAL GRIFFIN, GRI, SARAH THOMPSON, PA, ABR, BARB DUNLAP, ABR, E-AGENT & DARLINE HILLARD, CSP,CMP,CDPE, REALTORS®, “Committed to ‘A’ Level Service to All of Our Clients.” ..... We have been living and working in paradise--the greater Naples, Bonita Springs, Estero & Fort Myers area--for 20 years. We love our sunny, breezy, subtropical home and we think you will too! We encourage you to use our Online Resource Center to become familiar with the many benefits of living in Southwest Florida. You will find links to Southwest Florida cultural, sports, and governmental sites, the “Best Schools” site, and you can search the entire Multiple Listing Service right from our web site! ..... Then, when you are ready, we will help you experience the REAL thing, the charm and sophistication of Southwest Florida…It’s truly hard to beat! ..... “Committed to ‘A’ Level Service to All of Our Clients” ..... Whether your goal is to find your first Southwest Florida dream home, or to move on to another, Mal and Sarah and “The A Team” will implement an energetic and effective plan to accomplish your goals. With dedication, integrity, and experience, we will give you the information you need to make the right decision on purchasing or selling in “Paradise”..... We have built our successful real estate practice one friend at a time, by listening and treating our customers as we want to be treated--with patience, loyalty and caring. AND RESULTS COUNT!

Darline Hillard
Broker Associate, CSP CMP CDPE
John R Wood, Inc. Realtors
26269 S Tamiami Trail
Bonita Springs, FL 34134
Darline Cell: 239-273-4444
Toll Free: 800-966-3180
Office: 239-498-9200
Fax: 239-325-2557
dhillard@johnrwood.com
www.TheATeamOnline.com/
darlinehillard.listingbook.com

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