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93% of my business is repeat and referral. I want to be your Real Estate Consultant for Life! Call me direct(281)851-4438.

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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 
What is the least affordable metropolitan housing market in the United States?

A 
California's Los Angeles-Long Beach-Glendale is currently rated as the most expensive metro area in the nation.
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Jan Jackson, REALTOR®, real estate agents and broker for Kingwood, Humble and Northeast Houston Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Jan Jackson & Associates
Keller Williams Realty Northeast

20665 West Lake Houston Parkway
Kingwood, Texas 77346
Cell: 281 851-4438
Toll-free: 800 496-1202
Fax: 281 812-8760
Relocation Hotline: 281 812-8780
Email: Jan@HoustonRelocation.com

I am an experienced member of the Keller Williams team. I am committed to my clients and provide consistent, professional, and friendly service. Traditionally, clients who have worked with me have been most pleased with my assertiveness. I believe in honesty and I am committed to complete satisfaction. My work as your Realtor is not complete until everyone is completely satisfied.

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