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Franklin, Brentwood, Nashville and Williamson County Tennessee is such a special place. I have lived here since 1974, and have loved every minute. Looking out my window, I often wonder what life was like in the 19th century when horse-drawn carriages paraded the streets of our hometown of Franklin and cobblestones filled the sidewalks. Before I started selling real estate, I was employed at First Tennessee Bank, which is nearby. I'm so proud of my growing town. A place where you can walk to shops or take in a movie or even enjoy your favorite ice cream flavor at the local Baskin Robbins, or Ben & Jerrys, just off the town square. I am married, the mother of two children. Our oldest daughter, Kristin, graduated from the University of Alabama in 2005. Our son Corbin is in college. My husband David and I work together and make an excellent team. Our household has 2 Maltese dogs, (Tipsy) and (Beau), and 1 kitty named (Tiki).
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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 |
Who received the largest land grant ever given to an English subject for only two beaver skins per year?
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| A |
William Penn, the Quaker leader, received Pennsylvania and Delaware to settle a debt owed his father by King Charles II. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
