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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
Q 
Where is the world's oldest hotel?

A 
The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties.
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The Haas Team, REALTOR®, real estate agents and broker for Chicago Western Suburbs, Glen Ellyn and Wheaton Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Stephen Haas
Koenig & Strey Real Living
550 Pennsylvania
Glen Ellyn, IL 60137
Cell Phone: 630.675.8400
Fax: 630-580-7347
Email: HaasTeam@HaasTeam.com
Email: SHaas@koenigstrey.com

The Haas Team are your NUMBER1EXPERTSä in DuPage and Kane counties. With Stephen Haas as your REALTOR you will get someone who is both committed to your needs and focused on your goals. Ranked in the top 1% nationally of all REALTORS, Stephen Haas is an Accredited Buyer Representatives (ABR) and Shortsale Foreclosure Certified. You can count on Stephen as your trusted advisor and skilled negotiator. Let Stephen help you find the home of your dreams!

ABR Equal Housing MLS REALTOR RELO


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