Ladera Ranch, Laguna Niguel and Mission Viejo real estate and homes for sale in California - Frances Hicks, REALTOR® Frances Hicks REALTOR(r) for Ladera Ranch, Laguna Niguel and Mission Viejo, California real estate - NUMBER1EXPERT™ Frances Hicks NUMBER1EXPERT(tm) for Ladera Ranch, Laguna Niguel and Mission Viejo, California real estate
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Frances Hicks, REALTOR®, real estate agent and broker for Ladera Ranch, Laguna Niguel and Mission Viejo California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Why Buyers Choose Me: Ladera Ranch, Laguna Niguel and Mission Viejo California home buying, real estate listings, and homes for sale in Orange                         County, CA
Welcome > For Buyers > Hot Buys Program ...


WELCOME TO HOT BUYS!  

I am a certified HOT BUYS SPECIALIST!
This program is exclusive for our clients who want to find the very best 'deals' on the market and are ready to buy in the next 90 days. We also handle BANK OWNED and SHORT SALE properties. The properties you will be shown have been validated as the 'best buys/hot buys' in their exclusive categories.
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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
Q 
Where would you go to visit the largest ancient castle in the world?

A 
You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres.
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Frances Hicks, REALTOR®, real estate agent and broker for Ladera Ranch, Laguna Niguel and Mission Viejo California home listings, property and land for sale - NUMBER1EXPERT(tm)

Frances Hicks, e-PRO REALTOR, SFR
Keller Williams Realty

27101 Puerta Real, Suite 150
Mission Viejo, CA 92619
Cell: 949-456-9777
Email: Frances@FrancesHicks.com

e-PRO REALTOR, SFR Dedicated to providing you professional service, whether you are buying or selling. Solutions oriented, can always find a way to get the right results. Short Sale Specialist. Let the power of teamwork get you the best price in the shortest amount of time. Call now...you'll be glad you did!


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ePro wcr MLS Equal Housing RELO REALTOR




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