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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	What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?
A	Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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John Radgoski, REALTOR®, real estate agents and broker for Medford, Marlton and Moorestown New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

John Radgoski
RE/MAX PowerCentral
200 Tuckerton Road, Suite 16
Taunton Forge Center
Medford, NJ 08055
Cell: 609 922 4337
Office: 856 797 1550
Home: 856 783 8976
Fax Medford Office: 856 797 1677
Fax Voorhees Office: 856 783 7035
Email: Johnradgoski@comcast.net
John Radgoski's Area of Expertise include: Medford, Marlton, Moorestown, Mt. Laurel, Cherry Hill and Voorhees. John’s Business Career began in 1968 working with Fortune 500 companies in Sales and Marketing and through 25 years rose to the V.P. level representing major companies on a National level. Having a solid business background, John expanded his horizons to become self-employed within the Real Estate Industry. John has been an extraordinary performer since he began his career in Real Estate in 1992. His notable accomplishments include being named “Rookie of the Year” for securing the highest number of listings, listings sold and sales, during his first year in the business. He is a member of the RE/MAX 100% Club, Diamond Club, Executive Club, Presidents and Platinum Clubs. In addition, John has been a consistent member of the New Jersey Million Dollar Club for the past 13 years. Since 1992 John has been recognized as a Top Producer reaching the top 1% of Real Estate Professionals, securing more sales production than 99% of his counterparts. The commitment to his business interest is evident as John is the Principal Owner of RE/MAX PowerCentral, a Real Estate Firm dedicated to assisting Buyers and Sellers as well as hiring other Real Estate Professionals who have exceeded industry expectations to provide a Superior Level of Service. “A financial investment in my company assures you of my full attention. I believe that Real Estate is a service business and you are the client. Client satisfaction includes my written guarantee. I look forward to sharing my industry and market knowledge with you.” Additional Support is provided to Buyers through Secure Title of NJ, insuring the ownership of purchased properties. John is a major Share Holder and instills the high standards of Real Estate in the Title Company. Overall, John states that the past 16 years have been rewarding, accomplished, and productive in terms of Personal and Professional Success……………

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NUMBER1EXPERTS™ for Medford real estate NJ, Marlton real estate and Moorestown real estate, New Jersey, Luxury Properties and Executive Homes

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