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All agents are NOT alike! Find out why I am a top real estate expert.Call me today at 617-233-6210.

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Real Estate Tips
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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Real Estate Trivia
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Where are the highest median price homes in the United States currently located?

A 
According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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Eric Glassoff, REALTOR®, real estate agent and broker for Brookline, Newton and Boston Massachusetts home listings, property and land for sale - NUMBER1EXPERT(tm)

Eric Glassoff
Coldwell Banker

1375 Beacon St.
Brookline, MA 02446
Tel: 617-233-6210
Fax: 617-796-8480
Email: Eric@BostonRealEstateExperts.com
Email: eric.glassoff@nemoves.com
Email: eglassoff@comcast.net

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