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Not only is Sandi bright, aggressive and a true charmer, but she is the most knowledgeable real estate agent we have ever come across
Betty & Warren
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"It is a true pleasure for us to write this letter telling you about the excellent relationship we have had and continue to have with Sandi Phillips. Not only is Sandi bright, aggressive and a true charmer, but she is the most knowledgeable real estate agent we have ever come across here in the desert. Sandi knows exactly what we wanted and did not waste our time showing properties we were not going to consider. She is the most honest person we have ever met and cares for her clients. We can not say enough wonderful things about our buying experience and that is all due to Sandi. When we met Sandi she impressed us with her ability to zero in on the perfect property, negotiate for our best interest and hold our hand through the entire process. Not only is she beautiful inside and out but she had become more than a salesperson to us... she is now our friend. I know Sandi will continue to impress those who work with her, and to work with her would be a true honor and privilege. Thank you for giving us the opportunity to know Sandi Phillips. Betty & Warren
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Betty & Warren
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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 country of the world has the highest percentage of private housing?
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| A |
Mongolia, where 100% of all properties are owner-occupied. |
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Sandi Phillips
HK Lane Real Esate
72895 Fred Waring Drive
Palm Desert, CA 9260
Direct: 760-567-5506
Fax: 760-262-3053
Sandi@SandiPhillips.com
Whether you are new to the market, thinking of moving up, or you are an experienced investor, Sandi has the expertise, proven track record, and resources to help you buy or sell your next home
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