ANOTHER HAPPY CLIENT
What can I say, Zil is amazing. As a first time home buyer she really was watching out for us and did not allow people to take advantage of us. What we loved about her is that she is extremely knowledgable(many were not). We did run into a problem with our mortg. company (nothing to do with Zil) and Zil really went above and beyond what her job to help us out. I really can not thank her enough. I would recommend her to all my friends and family. I would never dream of using any other realtor. If you guys are smart you will use Zil as your realtor too. (we got her name through some friends and now i know why the recommeded her to us, im extremely thankful)
FROM KERRI & RICHARD.
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
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First Time Buyers >More Down Payment Help
One of the most common deterrents to first-time home buyers is the lack of a down payment. However, 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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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
 See More Real Estate Trivia > |
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