Redondo Beach real estate, Manhattan Beach real estate and Hermosa Beach real estate and homes for sale in California - Carol Gilles, REALTOR® Carol Gilles REALTOR(r) for Redondo Beach, Manhattan Beach and Hermosa Beach, California real estate - NUMBER1EXPERT™ Carol Gilles NUMBER1EXPERT(tm) for Redondo Beach, Manhattan Beach and Hermosa Beach, California real estate
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Carol Gilles, REALTOR®, real estate agent and broker for Redondo Beach, Manhattan Beach and Hermosa Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)






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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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Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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Carol Gilles, REALTOR®, real estate agent and broker for Redondo Beach, Manhattan Beach and Hermosa Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Gilles
The Real Estate Group

431 2nd St
Hermosa Beach, CA 90254
CA DRE# 00803846
Phone: 310-540-5231
Cell: 310-864-9738
Fax: 310-792-5711
Email: Carol@BeachCitiesOnline.com

Carol Gilles has been in real estate in the South Bay area since 1979. She has been awarded Top Producing Agent seven years, and is a multi-million dollar producer. She guides all her clients through all of their real estate need with exceptional experience and professionalism. Carol Gilles is America's NUMBER1EXPERT™ in real estate for the Torrance area. So contact her today!

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