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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 |
Where is the world's largest stained glass window?
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| A |
The American Airlines terminal at the Kennedy International Airport in New York City has a stained-glass window that is 300 feet long and 23 feet high. |
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The Frank Peoples Team
Keller Williams
6333 Cottage Hill Rd.
Mobile, AL. 36609
Phone: 251-662-5660
Fax: 251-660-5088
Email: Frank@FrankPeoples.com
Frank & Carolyn Peoples have built their Real Estate career of over 15 years on offering excellent customer service and a true concern for the welfare of their clients. Staying in contact with customers and offering their listings the most cutting-edge in marketing makes them one of the most sought-after realtors in the Mobile area. They are proud to call Mobile home for 27 years and are excited over the upcoming economic growth about to explode in the Mobile area. They are eager to welcome you to Mobile and await the opportunity to serve you and your Real Estate needs.    
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