Marisol understood the all the ins and outs of the down payment assistance program I wanted to use. A bonus is that she also understands finance and banking. Marisol was extremely patient and understood my needs. It was so much fun looking at all the different houses with her. I was sad when it was over. Marisol is awesome at what she does and cares about her clients. If she wasn't my realtor, I would love to have her as a friend.
Marisol was a Godsend. She knew exactly what needed to happen in order for us to settle on time, and she made sure that we did. She also let the houses speak for themselves, rather than talking up the ones we weren't fond of. Thank you so much, Marisol! 10/10 would buy with her again.
I am so sorry you had to deal with that situation, I would recommend having your agent assist you with this. Your Realtor should understand the process and figure out who needs to be refunding you the funds. Having you go back in forth between title companies is very stressful, get your agent involved.
Hi Jess, there are many down payment assistance programs in your area. Some of them have credit score requirements and others don't; I would strongly encourage you to visit with a lender or realtor in your area that specializes in these programs. Also, there are First time homebuyer classes that you would benefit in taking as they go over credit, income, and different mortgage options. You can look up your county and/or city and look for down payment assistance and I bet you will find many resources. Good luck!
The only way to remove the loan of your name is to have it financed under another persons name. If it's FHA you can have the current try to assume the note. But overall you will need to have a lender help you with the process. Or the other option is to sell the house, that would transfer the house note to the new owner.
The agreement between the Landlord and the Realtor is what determines the fees or % that will be charged. If you are the tenant you shouldn't have to pay a fee, but sometimes there are application fees.
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