Powhatan County and Western Richmond real estate and homes for sale in Virginia - Hank Cosby, REALTOR® Hank Cosby REALTOR(r) for Powhatan County and Western Richmond, Virginia real estate - NUMBER1EXPERT™ Hank Cosby NUMBER1EXPERT(tm) for Powhatan County and Western Richmond, Virginia real estate
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Resources: Powhatan County and Western Richmond Virginia home buying, real estate listings, and homes for sale in Powhatan                       County, VA
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Special Offers: Special offers for Powhatan County and Western Richmond homeowners from Hank Cosby, top Realtor
Affiliates: Hank Cosby's real estate web site affiliates
eNewsletter: Hank Cosby's Powhatan County and Western Richmond newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Virginia, and United States
Market Conditions Report: Market conditions report for this area, Virginia, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Powhatan County and Western Richmond Virginia mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Virginia or buy your own Powhatan County and Western Richmond house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Powhatan County and Western Richmond mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
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.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
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.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
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.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Virginia real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Hank Cosby anything real estate
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
Real Estate Tips: Hank Cosby'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
Real Estate Trivia: Hank Cosby'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
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Powhatan County and Western Richmond property in Virginia, including legal terms definitions, and more

 

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Real Estate Tips
Agency >Who Pays the Commission

Does it cost the homebuyer more to be represented by a buyer's agent who serves their interests exclusively? No, because the listing agent splits the sales commission, which is customarily paid by the seller of the home, with the buyer's agent. The sales commission split is usually 50-50, but the listing agent and buyer's agent will sometimes make another agreement and split the commission unequally.

There is one very unusual circumstance in which the homebuyer might pay a commission to their buyer's agent. The real estate agent might show the buyer a local "for sale by owner" (FSBO) home which the client decides to purchase. In most cases, the FSBO seller who is presented with a qualified buyer is glad to pay the buyer's agent a reduced fee of about 3 percent, or half of a normal sales commission. But the FSBO seller could stubbornly refuse to pay the buyer's agent any commission whatsoever. In that case, the buyer's agent would legitimately expect the buyer to pay the sales commission, in fair exchange for the agent finding the FSBO home and negotiating a successful transaction.

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Real Estate Trivia
Q 
What area in the United States has the highest per capita income?

A 
The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data.
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Hank Cosby, REALTORŪ, real estate agent and broker for Powhatan County and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Hank Cosby
Hank Cosby Real Estate

3812 Old Buckingham Road
Powhatan, VA. 23139
Phone: (804) 598-2875
Fax: (804) 598-2833
Email: hank@hankcosby.com

Hank Cosby knows the Powhatan and Richmond areas well. You deserve Hank's expertise, knowledge, and commitment on your side. Please do not hesitate to contact him for more information.

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