Ventura, Ojai, and Camarillo California real estate listings, home buying, selling and relocation information

All agents are NOT alike!Find out why WE are top real estate experts in Ventura County.Call us at:805-901-8805 for Lorraine &(805) 223-3445 for John.

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First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

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Q	In what area of the United States did the price of existing homes increase most dramatically in 2005?
A	Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005.
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Lorraine and John Burns, REALTOR®, real estate agents and broker for Ventura, Ojai, and Camarillo California home listings, property and land for sale - NUMBER1EXPERT(tm)

Lorraine and John Burns
Lorraine - Realty Executives
2953 Telegraph Road
Ventura
CA 93003
Office: (805) 585-0025
Cell: (805) 901-8805
Fax: 866-899-1271
John Direct Line: 805-223-3445
LorraineBurns@NUMBER1EXPERT.com
Lorraine's: LorraineBurns@sbcglobal.net
John's: Smily30@sbcglobal.net
What qualities do YOU want in a Realtor? You need a Realtor who is dedicated, determined and won't quit until you get what you want. Lorraine and John Burns are Realtors with these qualities. For first time home buyers we take you step-by-step through the process of becoming a home owner. For the move-up buyer, we know the market and the value of your home. For out-of-area sellers, we utilize modern technology so you never have to come to Ventura (unless you want to). You can trust us with all your buying and selling needs. Call today to make your dreams come true tomorrow!

www.VenturaRealEstate24-7.com is brought to you by Lorraine and John Burns
NUMBER1EXPERTS™ in real estate for Ventura, Ojai, and Camarillo, California

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