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Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Q	What island in the St. Lawrence River was given away on a television game show in 1964?
A	Price is Right Island was given away by Bill Cullen on "The Price is Right."
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The Bowman-Webb Team, REALTOR®, real estate agents and broker for Duluth, Suwanee, Dacula and Alpharetta, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Dominai Webb and Marilyn Bowman
RE/MAX Around Atlanta
The Bowman-Webb Team
2280 Satellite Blvd.
Duluth, GA 30097
Office: 770-495-3455
Fax: 678-244-2555
dominai@bowmanwebbteam.com

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