Meet Sharon Jagoda Sigman 

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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Sharon Jagoda Sigman
WEICHERT, REALTORS® - Graham Welch
5267 West 95th St.
Overland Park, KS 66207
913-381-6789
Toll Free: 800-291-1302
Property Hotline: 913-381-6789
Fax: 866-714-4532
Email: Sharon@HomesInKansasCity.com

As a native to Kansas and a former local high school English teacher in the Shawnee Mission school district, I am able to give buyers extra assistance and information on schools and the city. My license plate "REALTOR" lets everyone know my profession. My customers find that I am easy to work with and an excellent negotiator. My slogan "choose this LEFT handed realtor to help you make the RIGHT move" expresses my desire to help my buyers find the right home or my sellers to find the right buyer for the best price and terms. I have had my brokers/realtors licenses for over 22 and have consistently been one of the top 10 realtors in the city on both the Kansas and Missouri sides. I hold various designations and degrees: CRS (certified real estate consultant), ABR (accredited buyers agent), SRES(senior citizen representative), CSP (certified new sales consultant-to build) and e-PRO. My education consists of BA and Masters from University of California at Berkeley. I have 3 daughters, 1 dog and 1 cat. My recently licensed Schipperke, Skipper, was rescued by me from a local animal shelter so he helps me find some DOG GONE good homes for my clients. I belong to various organizations like Friends of Art, Friends of the Zoo, Native Sons of Kansas City, Hadassah, Brandeis, local and national realtor organizations. My hobbies are art, traveling, reading, working out, and horse back riding. My other web sites are www.sharonsigman.com www.realestateinoverlandpark.com www.isellkansashomes. www.homesinkansascity.com. I have a toll free 800 number ( 800-291-1302 )that follows me wherever I go.

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