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 Buyer's Most Frequently Asked Questions

Finding the Right Home


Even before starting to look at houses, find out what price house or condominium you can afford. In general, you can afford to buy a home equal in price to three times your gross annual income. More precisely, the price you can afford to pay for a home will depend of six factors: 1. your income; 2. the amount of cash you have available for the down payment, closing costs and cash reserves required by the lender; 3. your outstanding debts; 4. your credit history; 5. the type of mortgage you select; and 6. current interest rates.


Who pays closing costs?

Closing costs vary from one transaction to another and often total in the thousands of dollars. They may be paid up front or added to the buyer's loan balance. However, anxious sellers may offer to pay some or all of the costs to induce a sale.

Here are some basic rules of thumb concerning closing costs: Historically, if one or more real estate agents are involved, their commissions are traditionally based on the sales price and paid by the seller at the time of closing. In recent years, buyers have paid for agent services in some cases.

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