Christiansburg, Riner and Floyd Virginia real estate listings, home buying, selling and relocation information

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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	Where is the world's largest wine cellar, and how big is it?
A	A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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The Palmer Team, REALTORŽ, real estate agents and broker for Christiansburg, Riner and Floyd Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

The Palmer Team
Long & Foster Realtors
400 Roanoke Street
Christiansburg, VA, 24073
OFFICE: 540-382-1072
Joanne Palmer: 540-605-1072
Ricky Palmer: 540-605-1070
Darin Greear: 540-320-5859
Joanne Palmer: joanne@rinerva.com
Ricky Palmer: ricky@rinerva.com
Darin Greear: darin@rinerva.com
"We believe that our long-term success stems from building trusting relationships with our clients. Buying or selling property is a major event in most people's lives, both financially and emotionally. We strive to eliminate the stress by handling all of the details in a timely and professional manner, so our clients can relax and enjoy their experience. We want to have clients for life, so we try to exceed their expectations every day."
* The data relating to real estate on this website comes in part from the Broker Reciprocity/IDX (Internet Data Exchange) Program of the New River Valley Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Long & Foster REALTORSR are marked with the Broker Reciprocity logo (IDX) and detailed information about them includes the name of the listing broker.

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