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All agents are NOT alike! Find out how I am different and what it means to you. Call me at 419-947-4004.
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Find Out About the Latest Homes for Sale First! I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS. Find Out More > View All Offers >
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"...Indeed Grateful For Your Excellent Service..." "...Your helpful guidance and friendship will always be remembered..." "D & P Shoaf, Mount Gilead" Read Quote > View All Quotes >
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Compare three mortgages
at one time. Download TripleCalc now. It's free.
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Special Offers: Special offers for Mt. Gilead, Cardington and
Marengo homeowners from Herb Baldwin, top Realtor |
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Affiliates: Herb Baldwin's real estate web site affiliates |
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eNewsletter: Herb Baldwin's Mt. Gilead, Cardington and Marengo newsletter email
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Today's Real Estate News: Daily real estate news for this neighborhood, Ohio, and United
States |
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Market Conditions Report: Market conditions report for this area, Ohio, and United
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Mt. Gilead, Cardington and Marengo Ohio mortgage payments save you on
your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Ohio or buy your own Mt. Gilead, Cardington and Marengo house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate Mt.
Gilead, Cardington and Marengo mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at
one time for your property or other Ohio real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask
Herb Baldwin anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale |
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Real Estate Tips: Herb Baldwin's realty library of real
estate tips and advice on everything from preparing your home for sale to
negotiating with home buyers to escrow, closing costs, property inspections,
and mortgage brokers |
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Real Estate Trivia: Herb Baldwin's collection of real estate trivia questions and answers
that include real estate topics such as the most expensive home, largest
swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Mt. Gilead, Cardington and Marengo property in Ohio, including legal terms
definitions, and more |
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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 |
In what area of the United States did the price of existing homes increase most dramatically in 2005?
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| A |
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005. |
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