Since time is typically one of the seller's main concerns, buyers with financing should make their contingency periods as short as possible and offer the seller a per diem so that if the sale closes late, they get compensated each day. Each party agrees that if you can't close on a certain date, the seller will automatically extend the contract for, say, up to 15 more days, says William Golightly of Poole Realty in Live Oak, Fla.
"But it costs you as the buyer anywhere from 20 to 75 per day until its closed. " Putting this provision in your contract "will keep the lender a bit more on their toes for your sake," he says, "and it also shows the seller you are really willing to put your neck on the line for your financing.
" This deal sweetener will appeal especially to sellers who are carrying two mortgages. Dont get an FHA loan. One major downside to getting an FHA loan: You'll be forced to pay mortgage insurance premiums for the life of personal loan rates las vegas loan.
But FHA loans also are unattractive to savvy sellers, who recognize some FHA buyers barely qualify because of low credit money mart loans fort mcmurray and are more likely to hit snags in the loan process. If you have FHA financing, money mart loans fort mcmurray not only at a disadvantage to cash buyers but also to buyers with conventional financing.
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