📞 (941) 518-1247 📧 Lesliehaasfl@gmail.com Realty One Group Sunshine
Discover Your Dream Home: My Home Buyer Guide is your essential companion on the journey to homeownership. Packed with expert advice, tips, and step-by-step instructions, it simplifies the buying process, from budgeting and financing to property selection and closing the deal. Make informed decisions and unlock your dream home!
Coming up with the funds for a down payment and closing costs is a big obstacle for Buyers. Sellers can offer to include some of the closing costs into the purchase price of the home, then offer to cover the closing costs with a sellers credit thus reducing the amount of money the buyer needs to pay up front. (Closing cost ex: mortgage points, repairs, title cost). Sellers credits can be offered for a range of reasons including making a home more financially attainable for buyers.
Mortgage points are fees you pay a lender to reduce the interest rate on a mortgage. Paying for discount points is often called “buying down the rate” and is totally optional for the borrower. Paying discount points reduces the interest rate and therefore the monthly payments. Your monthly savings depends on the interest rate, the amount borrowed and the loan's term (whether it's a 30-year or 15-year loan).
This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance. Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.
Unlocking the Real Estate Market for Buyers
Take the first step to navigate the home buying journey with confidence.
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