Columbia, Ellicott City, Silver Spring real estate and homes for sale in Maryland - The McGinn Real Estate Group, REALTORS® The McGinn Real Estate Group REALTORS(r) for Columbia, Ellicott City, Silver Spring, Maryland real estate - NUMBER1EXPERTS™ The McGinn Real Estate Group NUMBER1EXPERTS(tm) for Columbia, Ellicott City, Silver Spring, Maryland real estate
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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
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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 McGinn Real Estate Group, REALTOR®, real estate agents and broker for Columbia, Ellicott City, Silver Spring Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

The McGinn Real Estate Group
RE/MAX 100

11000 Broken Land Pkwy, Ste 200
Columbia, MD. 21044
Phone: 410-715-3219
Toll Free: 800-899-7629
Fax: 410-740-8258
Email: boydmcginn@NUMBER1EXPERT.com

Welcome to the McGinn Real Estate Group! We have been serving home- buyers and sellers for over 30 years. Whether you are interested in selling your home, are a first time buyer, or an experienced investor, we have all the information you need for everything involved in making an informed real estate decision in today's market.

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RE/MAX 100 real estate and homes for sale in Columbia, Ellicott City, Silver Spring Maryland

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