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Find Out About the Latest North Brunswick, New Brunswick, South Brunswick and East Brunswick Area Homes for Sale Before Anyone Else! We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey area MLS, and even later on the national listings web sites, if at all. By signing up to receive our latest listings, we'll send you an email notice instantly -- as soon as our latest homes for sale go online. You'll find out first, before other North Brunswick, New Brunswick, South Brunswick and East Brunswick buyers. There is absolutely no obligation, and this service is free of charge. Don't miss out! Get an email as soon as our new properties come on the market in North Brunswick, New Brunswick, South Brunswick and East Brunswick! There's no obligation, and you can stop our emails with one click. Just fill out this form to get started... 
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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 does the term ARM stand for?
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| A |
An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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Dwight E. Hathaway
RE/MAX Classic Group
3322 Route 22 West, Suite 908
Branchburg, NJ 08876
908-895-1850
Fax: 908-231-7799
dwighthathaway@NUMBER1EXPERT.COM
Dwight E. Hathaway "SELLS" homes JUST LIKE YOURS!!! In Middlesex County there is NO OTHER Realtor capable, ready, willing, able and technically advanced enough to meet your needs. No matter how large or small Dwight does it all. Just call or email him today!    
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