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Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

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Q	What is a Buyer Broker?
A	A buyer broker represents buyers, helping them to find the best property and negotiate the best purchase price and terms.
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Lorna Sherland, REALTORŽ, real estate agent and broker for Newburgh, New Windsor, Warwick New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Lorna Sherland
Success Power Brokers
105 Rabbit Run Rd
Clintondale, New York 12515
Tel: 845-629-1675
Tel: 1-800-344-1675
Fax: 1-800-344-1675
Email: lornasherland@NUMBER1EXPERT.com
Lorna Sherland has resided in the Town Montgomery, NY for approximately 10 years, and just recently relocated to the small Town of Clintondale,in Plattekill, New York. Originally from Kingston Jamaica, Lorna relocated from Bronx, NY to scenic Orange County because the area reminded her of her original environment in Kingston, Jamaica. She resides here in the small Town of Clintondale with her husband and son, who's currently in graduate school and a graduate of the Valley Central School District. Lorna is herself an alumni of Marist College. She prides herself in taking care or her clients and customers real estate needs with the optimum professionalism. She listens, then executes!! Along with her motto of "Always at work for you" & "Success Without Limits", she strongly believes culture of "Win Win or No Deal".

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