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We are planning to buy a house in CA. If (for example) the house on the list is $300,000, house much can I offer? How many percent lower can I offer for that house, or in any house (in case)!? How about the closing cost? Can I ask/offer them that: we will accept the 300k price of the house, but they will pay for the closing cost (with discount points)!? Experts, please give some advice. Thanks in advance. About the closing cost: the bank where we prequalified gave us 2 papers; 1) closing cost without discount points, and 2) with discount points to lower the interest rate for only .5%. Which do you think is better between these two!?
I'll try to answer your questions in the order you listed them. 1) If the house is listed for $300,000 then you can offer whatever you want. Check the comparables in the area with your realtor or yourself using www.realtor.com. 2) The percentage lower you offer doesn't matter as long as it is a reasonable offer. It is common to ask for closing costs from the seller. My last property purchase I did this when using a Addison loan. 3) As for the discount points, that all depends on how long you are going to live in the house. If you are going to live there awhile just go ahead and pay the discount point. If not then don't pay it. www.yahoo.com/r/sq Has some good calculators you can use. The most important thing to do is talk to a realtor. Hope this answers your questions!
It is not uncommon for offers 10% below asking price to be seriously considered; at worst they can counteroffer and you can decide if it is still a good deal. You don't say how many discount points they want to drop your rate by half a percent, what the rate is, etc. so can't say if it is a good deal or not. You can ask for just about anything (closing costs, etc.), and they can accept or decline. Do you have a realtor you are working with on this? They can best help you with offer scenarios. If you don't have one you are walking a tightrope. Good luck.
As a first time buyer, it sounds like you do not have a Realtor. I can tell you now that if you are purchasing a home without a Realtor as a first-time buyer, you are setting yourself up to get RIPPED-OFF.