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Financing Your Home >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Q	What little-known folk remedy is said to help keep bats away from your home?
A	According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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Stephanie M. Benson, REALTORŽ, real estate agent and broker for New Orleans, Slidell, Kenner, Metairie, Terrytown and Algiers Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Stephanie M. Benson, ABR, BRC, CRS, GRI and HHS
Latter & Blum Inc., Garden District Office
Licensed Realtor in Louisiana, USA
2734 Prytania
New Orleans, LA 70130
Cell: 504-650-3735
Fax: 504-367-2496
Email: stephaniebenson@NUMBER1EXPERT.com
www.stephaniebenson.com
www.bensonrealtor.com
www.stephaniebenson.homesandland.com
As one of America's NUMBER1EXPERTS in real estate, my interest in New Orleans properties has led me to a successful profession in real estate . Both my vast experience with historic homes and my understanding of the needs of relocating families, allows me to bring a well-experienced perspective to both local and out-of-town buyers. Call me, your home specialist, in the Uptown Garden District, Westbank and Algiers Point properties.

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