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It seems only natural that I'd be selling real estate. I've been around it all our life with our father and grandfather in real estate as well. I started in 1988 which seems hard to believe! It sure doesn't feel that long!! It's because I love what I do and am proud of our accomplishments! I've sold over $150 million worth of real estate and helped over 400 families realize the American dream! But I couldn't have done it without the support of our dynamic team. Peggy, who is also our mother, has been our business manager for 12 years. our business thrives with her at the helm! Some of our achievements include:
-Receiving our accredited Buyer Representative designation
-Graduate of the Real Estate Institute
-Certified Residential Specialist
-Certified New Home Sales Specialist On a personal note, I also serve on the committee for an annual fundraiser benefiting breast cancer research and each year I do the city to shore bike ride to raise money to cure Muscular Dystrophy.  Please Sign Up For The Latest Listings and the Latest Real Estate News
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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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| Q |
What land did the U.S. Government buy for $7.2 million?
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| A |
The U.S. bought all of Russian America (Alaska) from the Russian Czar in March 1867. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
