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All agents are NOT alike! Find out why I am a top real estate expert. Call me at my direct number: 973-290-7903.
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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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Marlene Ginsberg
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Fabulous Service
"I just wanted to let you know about the fabulous service that I received from Marlene Ginsberg regarding the recent sale of my home. She and her assistant Jayne went above and beyond the call of duty to help close the deal. Marlene was always available to me and was instrumental in helping strike the deal. I would highly recommend Marlene to any prospective buyers and sellers. If you have any questions, please feel free to contact me."
Ted M. Felix - Little Falls, NJ - April, 2002
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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 richest living person?
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| A |
William H. Gates, III, Chairman of Microsoft Corporation, whose wealth was estimated at $46.6 billion in 2004.
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NUMBER1EXPERT®
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