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Judy Hirshburg is one of The Top
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WELCOME!
I'm Judy Hirshburg of Coldwell Banker Residential
Brokerage
America's NUMBER1EXPERT™
for the Caldwells, Verona, and
Essex Fells, New Jersey Real Estate.
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Looking for homes in Northern New Jersey? I belong to both GMLS.com and NJMLS.com. You can search everything the web has to offer, right here! Don't miss any of my Featured Homes. Need local real estate information on the West Essex area? As a top agent with over 30 plus years of experience I've summarized much of what is important about Caldwell, North Caldwell and West Caldwell, Essex Fells, Verona, Roseland, Cedar Grove, West Orange, Montclair, Fairfield, Livingston, Montville and the Wayne real estate market in this site. Many of you have taken advantage of the $8,000 first time buyers credit. Do you know that opportunity will be over April 30Th? By the way, if you have not purchased withing 5 years, you may also receive a credit of $6,500. Please don't miss this wonderful opportunity as the government may not be able to extend again due to lack of funds..Please feel free to call me for more details. Need expert advice? No web site, large or small, can take the place of a top Realtor. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Realtor, I have the experience and track record you are looking for. Please let me help. Judy Hirshburg  |
Welcome! Here You Can Find All The Best Real Estate Information In The West Essex Area of New Jersey. In Short Here's Everything You Need Or Want To Know From An Expert!
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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 is one of the most unusually shaped buildings in the world?
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| A |
The all-suite Arabian Tower hotel near Dubai is 1,052 feet tall, built on a man-made island and shaped like a boat sail.
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- NUMBER1EXPERT™ 
