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All agents are NOT alike! Find out why I am a Number1 Expert in the Bethany Beach and Ocean City resort area! Call Mearl Layton, GRI @ 888-529-8667!
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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" Very Professional!"
"Made frequent contact and kept us aware through the whole selling process."
David K. October 17, 2007
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Mearl Layton, GRI
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Welcome to bethanysrealestate.com! Here You Can Find Great Information on Bethany Beach and Fenwick Island, Delaware and Ocean City, Maryland Real Estate.  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Bethany Beach,Fenwick Island and Ocean City MD real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job...one on one personal and professional service. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate broker. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Bethany Beach, Fenwick Island and Ocean City, MD real estate broker, I have the experience and track record you are looking for. Please let me help in finding just the right home. Mearl Layton
Broker/Vice President
Layton Associates |  | | | | |
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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In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
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Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen. |
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