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Lorraine Thorne is one of The Top
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I specialize in the Albany, Schenectady & Saratoga Regions. As a member of the A-1 relocation team, I can help you find your home anywhere in the country. Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. "Put a Thorne ON your side" Lorraine Thorne
LThorne@CBPP.com
(518)640-4728  As a top Albany, Schenectady & Saratoga County real estate agent, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market. I have direct access to the Albany, Schenectady & Saratoga area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers. Tell me what you are looking for! It's my job to know every property in Albany, Schenectady & Saratoga, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible...
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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What is considered the world's tallest building?
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The 185-story CN Tower in Toronto, Canada is the world's tallest free-standing building, rising to 1,815 feet. |
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- NUMBER1EXPERT™ 
