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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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Tom Tezak
Coldwell Banker Island Properties
The Shops at Wailea
3750 Wailea Alanui, Suite B-35
Wailea, Maui, HI 96753
Direct Toll Free: 866-752-4663
Fax: 808-442-0942
Tom@TomTezak.com
As one of the premier real estate professionals in South Maui, Tom Tezak has his finger on the pulse of the local real estate market. As a Realtor Salesperson with extensive luxury real estate experience, Tom thoroughly understands the needs of both the buyers and sellers of everything from oceanfront properties to exclusive condominium communities. Whether he's cruising the Maui coastline in his family's boat or waiting for the right moment to snap a photo of a beautiful sunset or diligently providing his clients with answers they need, you can be sure Tom Tezak knows the importance of Making Every Moment Count!  
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