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About Shirl A. Thornton - Information about Shirl A. Thornton of Horseshoe Bay, Kingsland and Marble Falls, Texas Testimonials - Read what Shirl A.Thornton's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Texas home buying & property selling information is guaranteed by Shirl A. Thornton. Privacy Guarantee - This Horseshoe Bay, Kingsland and Marble Falls real estate web site will respect your privacy, guaranteed by Shirl A. Thornton. No Obligation Guarantee - Shirl A.Thornton's real estate help by email is free & without obligation for Horseshoe Bay, Kingsland and Marble Falls home owners in Texas. For Real Estate Agents - Let Shirl A. Thornton help you with your professional real estate broker and agent needs in the Horseshoe Bay, Kingsland and Marble Falls area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Shirl A. Thornton. Go to Main Sitemap - Main sitemap sections include Find Horseshoe Bay, Kingsland and Marble Falls Homes, For Home Buyers, For Home Sellers, Horseshoe Bay, Kingsland and Marble Falls Information, Real Estate Resources, and About Shirl A. Thornton. 
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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 the world's most expensive Monopoly set?
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| A |
San Francisco jeweler Sidney Mobell created an exclusive $2 million Monopoly set, with solid 23 carat gold houses, chimneys made of rubies and sapphires and dice with 42 full cut diamonds for spots. |
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