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Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Q	Which estate has two pools--one on the east side for the morning sun and one on the west for afternoon enjoyment?
A	The former estate of John Lennon in Palm Beach has two pools plus guest quarters.
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Tom Follert, REALTORŽ, real estate agent and broker for Chicago Northwest Suburbs and Hoffman Estates Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom Follert
Executive Realty Group
140 W. Lake Street
Bloomingdale, IL 60108
Direct: 630-213-2111
Office: 630-336-3201
Professional Service, Cutting Edge Technology and Experience produce the results for Tom Follerts clients and put him above the crowd in todays ever changing Real Estate Market.

Over a 20 year veteran in Real Estate and ranked in the top 1% Nationwide of all Real Estate brokers, Tom Follerts philosophy is simple:

There is no substitute for Hard work, Experience and Knowledge. Tom is an acredited Buyers and Sellers agent, A Graduate of the Real Estates Institue and has many more designations and credits, But he is aware that "All the Real Estate Designations & Titles in the "World" do not mean a thing if a Professional does not give you the "Service" you deserve. I will give all my Buyers and Sellers the cutting edges tools and do what is necessary in this ever changing market to make your Real Experience, "A Succesful one I WORK FOR YOU!! I will give you the attention you deserve along with the tools to be effective in Buying or Selling!! My Service is second to none. My customers receive discounted fees, full internet exposure and advertising every day in diversified publications to produce results in a timely manner.

If Experience, Service and Results matter to you, then dont trust just anyone with your Real Estate Investment. Contact me to find out how I can make your Real Estate Investment a Successful one. My experience in the Northwest Suburbs is second to none. Let me put my experience to work for you!

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