Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes real estate and homes for sale in Alabama - The Charles Hayes Team, REALTORS® The Charles Hayes Team REALTORS(r) for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes, Alabama real estate - NUMBER1EXPERTS™ The Charles Hayes Team NUMBER1EXPERTS(tm) for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes, Alabama real estate
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The Charles Hayes Team, REALTORŪ, real estate agents and broker for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)
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For Realtors: Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes Alabama home buying, real estate listings, and homes for sale in Mobile County, AL
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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
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Where are the highest median price homes in the United States currently located?

A 
According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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The Charles Hayes Team, REALTORŪ, real estate agents and broker for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

The Charles Hayes Team
Coldwell Banker, Charles Hayes Real Estate, Inc.

1120 Hillcrest Road
Mobile, AL. 36695
251-633-6300
251-421-7070
Fax: 251-633-6679
Email: charleshayes@NUMBER1EXPERT.com

Charles E. Hayes wants to be your real estate agent! With over twenty-five years in the real estate industry, he has extensive knowledge of the real estate market in the area, and he works with both buyers and sellers. Charles specializes in new home construction. He also has two full-time assistants who are also Realtors and a closing agent to help you. Having his team work for you makes buying or selling your new home nearly effortless. Call or email him today!!!

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