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Successful Search for the "Perfect" Home
"...I was very pleased with the service and support I received from Marlene Ginsberg and her team..."
Marlene Kazanis Denville, NJ - Jun. 2007
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Parsippany, Randolph, Denville and Morristown Township Weather Being located in New Jersey, the Parsippany, Randolph, Denville and Morristown Township area is assured of four full and beautiful seasons with all the varied activities possible at different times of the year. There is sailing and hiking in the summer and sledding and snowmen in the winter. Spring is a lively, vigorous time of renewal and our autumns are so beautiful that people from all over take vacations at that time so they can take tours of the countryside and view the colorful foliage. What a place! Feel free to peek at our local forecast via the website featured on this page. It's my job to know EVERYTHING about Parsippany, Randolph, Denville and Morristown Township! Ask me any question. Or request a FREE information package. There's no obligation, and I promise to get back to you quickly... 
First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
Who is the world's largest landowner?
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| A |
The United States government, with holdings of 728.8 million acres of land.
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