Newbury Park Homes Main Sitemap: Dos Vientos Ranch, Newbury Park and Conejo Valley, California Real Estate - Tim Farrel and Jenny Brown

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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 is currently the most technologically advanced way to vacuum your home?
A	The self-propelling Dyson DC06 scans and maps a room with sensors and is controlled by built-in computers that prevent it from falling downstairs.
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Tim Farrel and Jenny Brown, REALTOR®, real estate agents and broker for Dos Vientos Ranch, Newbury Park and Conejo Valley California home listings, property and land for sale - NUMBER1EXPERT(tm)

Tim Farrel and Jenny Brown
RE/MAX Gold Coast
5228 Via Andrea
Newbury Park, CA. 91320
Phone: 805-844-3650
Tim’s cell: 805-844-3650
Jenny’s cell: 805-750-5095
Fax: 805-494-3698
Email: timothyfarrel@NUMBER1EXPERT.com
Tim is a native of California and has enjoyed living and raising his 3 children in the beautiful Conejo Valley for the past 25 years. His knowledge, enthusiasm, and personal concern for his clients, make him an outstanding choice as your personal Realtor. His extensive and varied past careers as a former military officer, teacher, and chiropractor, lend themselves to his professionalism as a Realtor. Jenny, a native of Vermont and former resident of Idaho, moved to the Golden State in 1990. She adds to her real estate expertise and knowledge the many advantages of years in the educational, banking, and financial services industry. She is known for her "can do" attitude, and for her willingness and zest to go the extra mile for her clients.

www.Homes4SalebyTimandJenny.com is brought to you by Tim Farrel and Jenny Brown
NUMBER1EXPERTS™ for Dos Vientos Ranch real estate, Newbury Park real estate and Conejo Valley real estate, California, luxury homes

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