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Debbie Made Our Move Simple
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Scott & Ann O'Toole, formerly of Carol Stream, MN
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Read What People Are Saying About Me I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
Debbie Found Us The Perfect Home!
We love it here, and have recommended her to all our friends and associates who are thinking about moving.
Tim and Linda Gardner, Bloomingdale, IL
Debbie Made Our Move Simple
She sold our home quickly and put us in touch with a top agent in The Twin Cities.
Scott & Ann O'Toole, formerly of Carol Stream, MN
I Recommend Her Highly
She is a creative and honest professional who gets the job done!
David Branch, President, Hallmark Homes
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... 
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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| Q |
What country of the world has the highest percentage of private housing?
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| A |
Mongolia, where 100% of all properties are owner-occupied. |
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- NUMBER1EXPERT™ 
