Fishburn Realty Co. Specialists in Real Estate Since 1928 316 West Broad Street, Bethlehem, PA 18018-5584 Bethlehem: (610) 691-2650 Allentown: (610) 439-8377 Nazareth: (610) 759-4075

Real Estate Services • Real Estate Agents • Home Repair • Property Managers • Landscapers

Oak Tree Realty "Your Hometown Realtor Serving Saucon Valley & Bethlehem Area" Personalized Professional Service 202 Main St. Hellertown PA. Phone (610) 838-2278

610-867-2400

Ling Realty Inc. "Making you feel at Home" CENTURY 21 Ling Realty is centrally located in Lehigh/Northampton County (Lehigh Valley Area). We provide Seller(s) and Buyer(s) Brokerage representation for all real estate needs. If you are thinking of relocating please contact us for the CENTURY 21 VIP® Relocation information packets.

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Real Estate Tips What are the top three improvements that add value to a property? The top remodeling jobs in terms of "return on investment" are adding a fireplace, a bathroom addition, and minor kitchen remodeling, according to most surveys. Sellers typically can add what they spent on these projects to the price of the house and expect to get their price.

Real Estate Information Closing Costs:     Closing costs can generally be divided into: (1) the amount of money paid to government taxing authorities and (2) the amount of money spent to actually get the mortgage.     (1) The government taxing part of closing cost includes city, county and state transfer taxes, prepaid property taxes, and recording fees.     (2) The other major closing cost portion that deals with getting the mortgage includes title insurance, title search, appraisals, survey costs, credit checks, documentation fees, interest pre-payments, home owner and mortgage insurance. *Note: The homebuyer can expect to pay approximately 5% to 6% of the mortgage amount in closing costs. Buyers Market:     Ever since the housing collapse in 2009 it has largely been a buyer's market'. In today's real estate market more home sellers are willing to assist homebuyers with closing costs in an effort to sell their home. This seller assistance is particularly beneficial to first time homebuyers. Closing costs constitute a significant amount of money and can reach about 5% to 6% of the price of the home.     The FHA, Federal Housing Administration require 3 ˝% of the purchase price of a home as a down payment from home buyers that are getting mortgages backed by FHA. This down payment cannot be paid with seller-assisted money; it must come from the buyer directly. FHA loans do allow the seller to pay up to 6% of homebuyers closing costs.