Whitby, Brooklin and Oshawa real estate and homes for sale in Ontario - The Mullin Lloyd Team, REALTORS® The Mullin Lloyd Team REALTORS(r) for Whitby, Brooklin and Oshawa, Ontario real estate - NUMBER1EXPERTS™ The Mullin Lloyd Team NUMBER1EXPERTS(tm) for Whitby, Brooklin and Oshawa, Ontario real estate
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The Mullin Lloyd Team, REALTOR®, real estate agents and broker for Whitby, Brooklin and Oshawa Ontario home listings, property and land for sale - NUMBER1EXPERT(tm)


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For Buyers: Whitby, Brooklin and Oshawa Ontario home buying, real estate listings, and homes for sale in Ontario, ON
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Why Buyers Choose Us: Why homebuyers in the Whitby, Brooklin and Oshawa area choose The Mullin Lloyd Team as their Realtors
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Real Estate Tips
Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Real Estate Trivia
Q 
What 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?

A 
Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean.
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The Mullin Lloyd Team, REALTOR®, real estate agents and broker for Whitby, Brooklin and Oshawa Ontario home listings, property and land for sale - NUMBER1EXPERT(tm)

The Mullin Lloyd Team
Keller Williams Energy Real Estate

420 Green Street, Suite 105
Whitby, ON L1N 8R1
Office: 905-430–2390
Fax: 905-430–2301
Email: Admin@TheMullinLloydTeam.com

The Mullin Lloyd Team are very excited to offer you more experience, greater availability, continued integrity and passion to help you find or sell your home. We look forward to helping you and your friends and family with their next purchase or sale.

Equal Housing MLS REALTOR


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