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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 203-655-0208 ex #37.
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Get Free Presentation On My Home Marketing.
Before signing a contract with any REALTOR®, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time.
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Joan Gallagher is one of The Top
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Special Offers: Special offers for Darien, Rowayton and New Canaan homeowners
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Affiliates: Joan Gallagher's real estate web site
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eNewsletter: Joan Gallagher's Darien, Rowayton and New Canaan newsletter email will
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Today's Real Estate News: Daily real estate news for this neighborhood, Connecticut, and
United States |
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Market Conditions Report: Market conditions report for this area, Connecticut, and
United States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Darien, Rowayton and New Canaan Connecticut mortgage payments save you on your
taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Connecticut or buy your own Darien, Rowayton and New Canaan house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate
Darien, Rowayton and New Canaan mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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TripleCalc: FREE Software
Download: TripleCalc lets you compare three loans at one time for your property
or other Connecticut real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Joan Gallagher
anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale |
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Real Estate Tips: Joan Gallagher's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Trivia: Joan Gallagher's collection of real estate trivia questions
and answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Darien, Rowayton and New Canaan property in Connecticut, including legal terms
definitions, and more |
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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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Where is the world's largest wine cellar, and how big is it?
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A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons. |
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- NUMBER1EXPERT™ 
