Internet Marketing Mortgages
how often do sellers pay the closing costs?
im a 1st time home buyer with very little money and i have found a home that is $109,000. i have done the math and i can afford to live in the home(mortgage, electricity, cable, internet and phone) on my salary which is around $44,000 a year. i have been at my job for 2years and have a credit score of 650 or 655(as of last month). my only problem is the fact that i have very little saved and i know i don’t have enough for closing cost. the house has been on the market for about 2 months and i really want it because it has EVERYTHING i want in a home. i can afford it if the seller pays the closing cost but im unsure how often this happens. is this home in my reach or should i wait and save more? would the seller pay the closing cost? its about $3000. (so i’ve been quoted)
In my market a very high percentage of sellers ( well over 50%) pay the max. allowed of the buyers closing cost…..3% of the selling price. Sounds like you should be looking at a FHA loan that requires a 3.5% down payment. Depending on your other bills, like auto loan and credit cards you should be able to qualify.
You might even consider offering a little more than the asking price and asking for the seller to pay the max amount allowed, if the property will appraise the higher sales price.
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