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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 three things are necessary in order to purchase a home?
A	Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
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Laura Rodriguez and Debbie Cobian, REALTOR®, real estate agents and broker for Lake Geneva, Walworth County and Southeast Wisconsin Wisconsin home listings, property and land for sale - NUMBER1EXPERT(tm)

Debbie Cobian and Laura Rodriguez
Keefe Real Estate, Inc
751 Geneva Parkway
Lake Geneva
WI, 53147
Office: 262-248-4492
262-248-9539
Laura's Cell: 262-325-7311
Debbie's Cell: 262-949-9818
Email: LauraandDebbie@NUMBER1EXPERT.com
Email: YourLakeGenevaTeam@yahoo.com
Laura Rodriguez and Debbie Cobian are Top Producing Brokers in the Lake Geneva area. Buyers and Sellers rate their service the best! With the team concept, you get two licensed professionals to help with all your real estate needs. Add Keefe Real Estate Inc, #1 in Sales in Walworth County and a family company since 1943, for a perfect partnership. For the experience and progressive service you deserve, contact Laura or Debbie today!

www.YourLakeGenevaTeam.com is brought to you by Laura Rodriguez and Debbie Cobian
NUMBER1EXPERTS™ in real estate for Lake Geneva, Walworth County and Southeast Wisconsin, Wisconsin, Waterfront And Lake Homes

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