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Culpeper, Madison County and Orange County Information:

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School Reports in Culpeper, Madison County and Orange County, Virginia

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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	How did actress Jayne Mansfield decorate her Hollywood "Pink Palace" without buying any furniture?
A	She wrote to furniture suppliers asking for free samples, telling them they could brag that their furniture was in her outrageous mansion. She received over $150,000 worth of free merchandise.
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Ellen and Mike Butters, REALTOR®, real estate agent and broker for Culpeper, Madison County and Orange County, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Ellen and Mike Butters
RE/MAX Crossroads
810 S. Main St.
Culpeper, Virginia 22701
Main Office: 540-825-1800
Ellen Direct: 540-718-6608
Mike Direct: 540-718-6609
Home Office: 50-948-5540
Fax: 888-295-2127
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