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Our Special Offers: Sarasota and Siesta Key Florida home buying, real estate listings, and homes for sale in Sarasota County, FL

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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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Judy Arreola and Kristina Talkie, REALTORSŽ, real estate agents and brokers for Sarasota and Siesta Key Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Arreola and Kristina Talkie
Michael Saunders and Co.
5100 Ocean Blvd.
Sarasota, FL. 34242
Phone: 941-349-3444
Fax: 941-349-4333
Email: JudyArreola@NUMBER1EXPERT.com
Since becoming active in the Sarasota real estate market in 1984, Judy has been one of the top ERA agents in the nation and the top 1% of Realtors in Sarasota. She has been honored by ERA as a finalist for the prestigious Jim Jackson Memorial Award for Outstanding Customer Service and Superior Performance. Among her many honors, she is also proud to be selected for 3 years in a row by Sarasota Magazine as a *Five Star Realtor* for being best in client satisfaction. As a former teacher, her attention to detail is synonymous in her business. Her real estate education credentials include Licensed Real Estate Broker, Graduate Realtors Institute, Leadership Training Graduate and Certified Residential Specialist. She has served for many years on the board at the Sarasota Association of Realtors and is a member of the Professional Standards Committee Her team includes Kristina Talkie, a Licensed Realtor. Kristina's real estate designations include Graduate Realtor (r in a circle) Institute (GRI) and is presently a candidate for Certified Residential Specialist (CRS). Her industry awards include Top Producer, ERA Beyond Excellence, Outstanding Sales Performance (six years in a row) and Top Team Award for closed sales. Judy and Kristina specialize in selling waterfront homes, golf course communities and luxury condominiums.

www.JudyArreola.com is brought to you by Judy Arreola and Kristina Talkie
NUMBER1EXPERT™ in real estate for Sarasota and Siesta Key, Florida, golf course, waterfront properties and Spanish speaking

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