Torrance, Gardena and Redondo Beach real estate and homes for sale in California - Larry and Wanda Agena, REALTORS® Larry and Wanda Agena REALTORS(r) for Torrance, Gardena and Redondo Beach, California real estate - NUMBER1EXPERTS™ Larry and Wanda Agena NUMBER1EXPERTS(tm) for Torrance, Gardena and Redondo Beach, California real estate
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Larry and Wanda Agena, REALTOR®, real estate agents and broker for Torrance, Gardena and Redondo Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)


All agents are NOT alike! Find out why we are top real estate experts. Call us: (310)370-4010. -The A Team Realtors


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Real Estate Tips
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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Real Estate Trivia
Q 
Who is "Fannie Mae" and why is she a big name in real estate?

A 
"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders.
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Larry and Wanda Agena, REALTOR®, real estate agents and broker for Torrance, Gardena and Redondo Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Larry and Wanda Agena
Keller Williams

23670 Hawthorne Blvd. Suite #101
Torrance, CA 90505
Phone: 310-370-4010
Fax: 310-375-6860
Email: TheATeamRealtors@yahoo.com

Number1Experts™ Larry and Wanda were awarded the winning husband and wife team in the Southbay area of Los Angeles. They have a history of helping their sellers and buyers achieve their goals. They offer you skill, service, and the support you need to make your real estate transactions a success!

Larry was licensed in 1974 and Wanda in 1994. Together they bring a great deal of experience, and they know how to work hard to get what you want. Their philosophy is "Our Clients Are The #1 Priority". Their highest business reward is when someone refers another client to them due to the professional job they did in helping them reach their goals. Larry and Wanda want to "Thank You...Mahalo" for giving them all your referrals and the opportunity to work with you in your next real estate transaction.

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