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Eileen Drutman, REALTORŪ, real estate agent and broker for Rancho Santa Fe, Encinitas and Carlsbad California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 760-635-4242.


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Buyers (First-Time) > More Down Payment Help

Perhaps the most common deterrent to first-time home buyers is the lack of a down payment. 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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Real Estate Trivia
Q  What is a Balloon Mortgage?
A  A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Eileen Drutman, REALTORŪ, real estate agent and broker for Rancho Santa Fe, Encinitas and Carlsbad California home listings, property and land for sale - NUMBER1EXPERT(tm)

Eileen Drutman
Coldwell Banker

740 Garden View Ct. #100
Encinitas, CA 92024
760-635-4242
800-435-5616 Ext. 342
760-845-5001
Fax: 760-943-1709
Email: isell-sandiego-homes@NUMBER1EXPERT.com

Eileen Drutman is your top selling San Diego, Rancho Santa Fe and Encinitas expert As a licensed realtor since 1983 and a resident of Southern California for 32 years Eileen has the experience and skill to provide superior service to both buyers and sellers. Eileen has over 25 years as a Top Producer and Marketing professional winning many national and international awards. As a Relocation Specialist, Eileen puts her extensive international background and technology skills to work to match buyers and sellers. She has experience with beachfront, golf & horse properties through San Diego County. Although she has a strong business focus her approach to home sales is very much from the people side. “My job is to use all my talents and resources to accomplish your dreams and objectives. I purposely limit the number of listings and buyers I take on at one time so I can focus on each client’s transaction completely. I believe in quality not quantity. Ask my past clients and they will attest I am with them all they way to a successful sales transaction.

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Coldwell Banker real estate and homes for sale in Rancho Santa Fe, Encinitas and Carlsbad California

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