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WHAT are Transfer Taxes? HOW Much are They? WHO Pays?
WHAT are Transfer Taxes?
HOW Much are They? 
 WHO Pays?
When I first speak with clients seeking information regarding mortgage financing, they're typically focused on 3 things:

What Down Payment they will need What their Interest Rate will be Can they get Approved for a Mortgage  
The answers to those questions are definitely needed and vitally important. But they are not questions quickly answered.  
I must first obtain some information in order to be able to answer their questions credibly and reliably.  This includes information regarding their finances, debt, credit, savings and more.  
As the needed info is shared and our conversation unfolds, questions go back and forth between us.  Much like a ping pong ball, the questions bounce back and forth quickly and fluidly providing each of us an opportunity to get to know one another and for fact-finding.   
It's during this conversation that the mortgage process, its direction, and needs and expectations that go along with it are normally laid out.  A time-frame for the process is provided.
It's also during this talk that the subject of monies required for costs/Closing is discussed.  Many hopeful homebuyers are surprised to find out that costs ... beyond those surrounding down payment ... are typically involved when borrowing money.  The existence of ... more

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