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For Realtors: Chesterfield, Wildwood and Ballwin Missouri home buying, real estate listings, and homes for sale in St. Louis County, MO

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You can trust us with your important referrals. We have a great track record of success as top producers. We have the experience you are looking for. Plus we are very web-savvy Realtors, which is important to the majority of homeowners today. Why send a referral to anyone other than the best? This only reflects positively on you.

As you well know, top real estate agents also have a higher closing ratio. You'll have a better chance of making a sale when you send your referrals to us.

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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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Q	What characteristics must a home have to be considered a prestigious property?
A	Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Kathy Irvine and The Irvine Team, REALTORŽ, real estate agents and broker for Chesterfield, Wildwood and Ballwin Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathy Irvine and The Irvine Team
Coldwell Banker Gundaker
14830 Clayton Road
Chesterfield, MO 63017
Office: 636-391-2100
Voice Mail: 314-567-8620
Toll Free: 800-791-3276
Fax: 636-391-3620
Email: Kathy@theirvineteam.com
The St. Louis Association of Realtors has recognized Kathy as the top sales associate for 10 of the last 12 recent years. With nearly 70 million dollars in sales in 2004, Kathy was honored for the 17th straight year as the TOP AGENT for the largest real estate company in the St. Louis area, Coldwell Banker Gundaker. She was also #1 in the Midwest Region and 12th nationwide for Coldwell Banker. However, the most important recognition Kathy and The Irvine Team get is the steady stream of testimonials and repeat business from her clients. She and her team set the pace, provide the service you can count on, and are dedicated to achieving your real estate goals. The Irvine Team constantly leads the St. Louis real estate market with their excellence, professionalism and service. The Irvine Team . . . . Nobody does it better. NOBODY!

www.theirvineteam.com is brought to you by Kathy Irvine and The Irvine Team
NUMBER1EXPERTS™ in real estate for Chesterfield, Wildwood and Ballwin, Missouri

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