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-The Setup

Types of Agents
How to Select an Agent
Prequalified or Pre-Approved
7 Reasons to buy a home
Moving with Teenagers

-The Selection

How to Find a Home
50 "Things To Watch"
when viewing a home
9 Types of Loans You Should Know

-The Sale

What is a Sales Contract
Finding Quality Inspectors
10 Ways to Ascertain a Down Payment
How Lenders Approve Loan Applicants
Definitions of Closing Costs

Buyers' Resource Section:

-10 Ways to Ascertain a Down Payment-

You just found the home of your dreams, but you need more money or you can't have it. Major problem, however here are ten surefire methods for ascertaining a larger down payment, and getting that home.

1. Receive a tax-free gift -From your parents, lovers, or anyone who will; documented by a “gift letter” stating that you do not need to repay the debt. This move effectively raises your down payment without increasing your debt load figured into your original pre-approval.

2. Borrow Against a Life Insurance Policy – Insured collateral for the lender.

3. Borrow Against Stocks and Bonds- Avoid the capital gains, used for collateral.

4. Borrow Against a Company Pension Plan – If you remove the money there are usually penalties and taxes.

5. Cash in a Retirement Savings Plan – You may have to pay penalties

6. Ask Current Employer for Cash Advance- This can usually be asked for in lieu of next years raise, sick time, or vacation time.

7. Advance on Future Inheritance- Don't Make Grandma Mad

8. Use your own Business as Collateral- Default on your loan = Lender owns a business. Only works for businesses with positive cash flow and financial statements.

9. Team Up With Cosigners- Trade equity in your home for signers. The more standup folks you can get to sign on the dotted line the more a lender will trust you too!

10. Sell Personal Possessions- Usually the last option. However, cars, diamonds, antiques, collectibles, and jewelry can fetch enough money to boost your down payment.

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Arvada Real Estate
Karen Nichols - Realtor
REMAX Alliance Real Estate
Arvada REALTOR
Office: 303-420-8800
Direct: 303-888-5766
Contact Karen - REMAX Alliance

"Providing Service That Sells Real Estate In Arvada"

© Broomfield-Designers.com in association with REMAX Alliance Real Estate Group - Arvada, Colorado
The information contained on this REMAX Arvada real estate website is deemed reliable, but not guaranteed and does not constitute an offer to sell. Prices, availability and other Arvada real estate information is subject to change without warning.

The 3S Approach

-The Setup

-The Selection

-The Sale

Buyers' Resource Section: