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About The Larry Chappell Team:
About The Larry Chappell Team - Information about The Larry Chappell Team of Ft. Campbell, Clarksville and Sango, Tennessee Testimonials - Read what The Larry Chappell Team's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Tennessee home buying & property selling information is guaranteed by The Larry Chappell Team. Privacy Guarantee - This Ft. Campbell, Clarksville and Sango real estate web site will respect your privacy, guaranteed by The Larry Chappell Team. No Obligation Guarantee - The Larry Chappell Team's real estate help by email is free & without obligation for Ft. Campbell, Clarksville and Sango home owners in Tennessee. For Real Estate Agents - Let The Larry Chappell Team help you with your professional real estate broker and agent needs in the Ft. Campbell, Clarksville and Sango area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact The Larry Chappell Team. Go to Main Sitemap - Main sitemap sections include Find Ft. Campbell, Clarksville and Sango Homes, For Home Buyers, For Home Sellers, Ft. Campbell, Clarksville and Sango Information, Real Estate Resources, and About The Larry Chappell Team. 
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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. |
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