Meet The Charles Hayes Team  For many years now, Charles Hayes has been the Top Producing Realtor in the greater Mobile area, having sold over 382 houses for a value of over 72.8 million dollars in the year 2007, over 60 million dollars in the year 2006, nearly 59 million dollars in the year 2005, and 50 million dollars in sales in the year 2004. This has led Charles to be named Coldwell Banker's #5 real estate agent in the state of Alabama and Coldwell banker's #5 agent in the Southern Region which includes 19,000 agents in 14 states. Charles has put together an outstanding Team of professional Realtors consisting of himself, and two sales associates, Cindy Nobles and Rhonda Moser; his personal assistant and full time closing agent for the Team--Denah Sellers, who help him provide unparalleled service to all of his Buyer and Seller clients. With over thirty years of experience in the greater Mobile area, Charles and his team have become the industry leaders in the new construction home market, the re-sale market, and waterfront sales as well. Charles also has the benefit of an extensive referral and relocation program. 
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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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What is the most common name for a city in the United States?
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| A |
Fairview is the most common city name, according to the 1996 Top Ten of Everything Book. |
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