Buying a home is more than just looking for the perfect home and making an offer and moving in to that home. The search is one ขายอาคารพาณิชย์ thing to consider but what about the closing costs that a buyer might end up paying. Most buyers understand that the real estate agents commission comes from the seller of the property but they may not expect a lot of the other expenses that a buyer is responsible for paying.
Start first with getting pre-qualified by a trusted lender, your real estate agent can likely recommend one that they use frequently if you do not know where to find one. Talk over the costs of obtaining a loan with your lender and be sure and ask for estimate of the loan costs involved in purchasing a home. The lender has fees to obtain the loan that the buyer is required to pay when purchasing a home. Be sure to ask if any of these fees can be lowered or if you are expiated to pay points to obtain the financing you expect.
The next set of expenses that a buyer has will be title and escrow fees. Both the buyer and the seller have costs from the title company to process the title and escrow work. This is an important part of your transaction because the title company will be responsible for making sure the buyer and seller each pay the contracted amount, the lender gets the loan documents and funding in place as well as making sure when you acquire the home you have clear title.
What you may not know is that many of these expenses can be negotiated on the purchase contract. You can ask the seller to pay some or most of the buyers closing costs which include the lender fees, title and escrow fees as well as home owners association transfer fees. Although these fees can be negotiated on the purchase contract keep in mind that the seller will consider your offer based on their net proceeds. Another words, if you are making an offer on a home that is listed for two hundred thousand dollars and you are willing to pay one hundred and ninety thousand dollars but want the seller to pay for your closing costs then the seller will subtract the closing costs from the actual offer to get their hard number. If you are asking for the standard three to three and a half percent closing costs paid by the seller then you are actually offering about seven thousand dollars less than the two hundred and ninety thousand dollar price.
The other thing to remember is if the home is appraised or five thousand dollars less than the actual purchase price but seven thousand dollars of the purchase price is closing costs then the seller is likely to not negotiate down to the appraisal. Your offer was higher mostly because you asked for seven thousand dollars in closing costs on top of your actual offer.
Talk this over with your real estate agent to understand what it means to be asking for your normal closing costs to be paid by the seller, they should be able to help you understand why this is basically rolling the closing costs back into your loan and not up front out-of-pocket expenses. The seller may not be willing to pay these expenses if they know the appraisal will not support the additional costs.
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