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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 |
What is encroachment, and how might it affect a property owner?
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| A |
Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim. |
 See More Real Estate Trivia > |
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Stan Chambers
Sea Coast Exclusive Properties
900 South Coast Hwy
Encinitas CA. 92024
DRE License # 01356002
Direct: 760-505-8008
Fax: 866-449-2505
Email: Stan@StanChambers.com
My name is Stan Chambers and I have been a highly successful real estate
professional in the Encinitas, Carlsbad, Escondido, Shadowridge, Vista, and Oceanside markets. My personal goal is to simplify the process of buying and selling real
estate, and to satisfy everyone's needs to the best of my ability. My
extensive experience and proven track record are factors you can count
on when working with me. I use the latest technology to understand the
current market and to make the connections necessary for our success.
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