Thursday, December 23, 2010

Reverse Mortgages

If you are a home owner or getting ready to be a home owner and you know that money is tight especially with the economy the way it is, it is important to think of all your financial options. There are all kinds of options, borrowing money from friends and family, loans, and mortgages. You may be wondering what type of loan is best for you though because there are so many. If you are a home owner and have been one for quite awhile, reverse mortgage may often you many benefits. This way you can make sure your home and family is well taken care of. Here are some benefits of these mortgages to help get the process started for you.

Ask your Greenwich real estate agent for advice
If you are an older home owner, planning to buy or even sell your home, it’s a good idea to ask your agent about the types of mortgages that would best benefit you. They have experience seeing all different buyers and sellers and are a great resource.

Reverse mortgages mean the lender pays you
If you are the borrower with a reverse mortgage the lender owes you payments instead of the other way around. These payments can be made as a lump sum, monthly, periodically, or in any combination of those.

Older home owners with equity benefit from these mortgages
If you are 62 or older and have equity in your home you may benefit more from reverse mortgages. Your existing home could be paid off, FICO scores do not apply and credit history does not apply.

Costs vary but are not too bad as with other mortgages
As with any mortgage a borrower has some fees to pay but these fees are not as pay or as high as some. Some fees may include: insurance premiums, monthly lender fees, application fee, and closing costs.

The longer you have owned a home the more you may be able to borrow.
How much a person can borrow with reserve mortgages depends on how much equity is in their home, the type of program you choose, and the age of the borrower. So, these mortgages may benefit older home owners or home buyers with more equity.

Knowing these benefits about reverse mortgages can help you as a home owner or buyer; decide which type of mortgage is best for you. This way you can know that you are safe and secure in your home and have fewer worries in the future.

Friday, December 17, 2010

Greenwich Real Estate News - Tips for Selling your Home If you Have a Disability

If you are selling your home, you know how stressful it can be. It may be hard to find a good real estate agent, to show your home, fix it up, not to mention packing for your new home and future. If you have a disability this process of selling your home may be even more of a challenge. Here are some basic tips for how to sell your home even if you have a disability. This will help make the process easier for everyone and get everyone to their bright new future.

Ask your Greenwich real estate agent for advice
Real estate agents have experience selling homes for all types of people and will be a great resource for advice and tips on how to sell your home.

Advertise gearing towards others with disabilities
It is important to advertise in the newspaper and on the internet, like everyone else but advertising in magazines and on websites that are for others with disabilities may bring in even more buyers.

Mention the extra space and support as a benefit
When listing your home, mention the extra space and support of your home as a benefit. Talking about how it is a home to suit all needs will bring in more possible buyers as well.

Highlight any remodels that have been done
Highlighting any remodels or improves that have been done to the home to make it accessible will make it more appealing because possible buyers may not have repair or update much at all.

Talk about the location
When buyers come by to see your home, it is important to talk about the value of the location. Maybe the neighborhood is more secure because you needed it that way, so it will make other owners feel safer. Or maybe it is accessible to many schools, shops, or highways. These may all be appealing to a buyer and worth talking about.

With these tips, the process of selling your home even if you have a disability should be made a little easier. This way a buyer may feel more comfortable and so will you. Then you both can get on your way to your bright new futures with less worries and problems.

Tuesday, November 23, 2010

Marketing Mistakes to Avoid When Selling

When you have decided to sell your home and move on to your new future, it is important that buyer’s get a good first impression of your home. You want them to see it as a good comfortable, safe, nice place for them and their family. You want them to see it like you did when you first bought the home. This requires good marketing such as open houses, pictures, tours, networking, and more. If you know about marketing at all, you know there is good marketing and then there is marketing mistakes that can be bad. Here are some tips to help you avoid bad marketing when selling your home. This way you can sell your home faster and for the price you want and get on to that future.

Ask your Greenwich real estate agent for tips
As your agent, they have experience in what sells a home and what may not be such a good idea. If you are looking to avoid bad marketing ideas, agents are an excellent first resource of information.

Avoid taking pictures that are too dark or cluttered
You want a buyer to see your home as bright, spacious and comfortable. Taking pictures in bad light or of a cluttered room may give off the wrong first impression and make a buyer lose interest.

Avoid withholding important information
If there are tons of homes for sale, it is important to include important descriptions and details that make your home stand out first the rest. If it does not, a buyer may look elsewhere before giving your home a chance.

Try not to be too restrictive about showing your home
If an agent cannot get in to show a buyer a home because of too many time or other restrictions, a buyer may not even want to do business with you as a seller. Try to be as cooperative as possible.

Avoid not including incentives for buyers
Buyers like knowing that there is an incentive to buying your home such as an allowance or credit toward home repairs, home protection plans, weekend getaways, and more.

Avoiding these marketing mistakes and talking about alternatives with your agent, will help you to sell your home faster in any market. That way you can get on to your new future with fewer worries and holdups and a new buyer can enjoy your home sooner too. So everyone wins.

Wednesday, November 17, 2010

Greenwich Real Estate News - Home Equity Loans

If you are a seller of a home and want to buy a new one, but may not have the funds, it is important to consider all your options. If you have equity or value in your first home, a home equity loan may be right for you. These loans are junior loans and pay out quickly and come in second to a first mortgage. These loans use your home as the security. If you make your payments on time and your home has value, these may be a good option for you. Here are some tips about home equity loans to get you started.

Ask your Greenwich real estate agent for advice
Real estate agents have experience with many different types of loans and will be a great resource in helping you decide if a home equity loan may be right for you.

Loans can be used to purchase a new home
These loans can be used toward the purchase of a new home. However, lenders typically won’t give the loan if your current home is on the market. So, you may want to make these decisions ahead of time and plan out what is best for you.

Home Equity loans are tax deductible
This makes these loans favorable for making home improvements or repairs, paying for big expenses such as a college education or a new car.

Have long loan terms
Other loans may only have short term loan options but these loans have many options such as 3, 5, 7, 10 or even 15 years. This makes these types of loans more attractive to many homeowners.

Can Borrow 100% equity

With some loans you can only borrow up to so much within a certain type frame, but since this loan is based on the equity of your home, you can borrow up to 100 % of it. This also makes this loan appealing especially if a homeowner needs the funds to pay for something big.

These tips and information about home equity loans can help you as a homeowner to decide if this type of loan is best for you. Then you can be on your way to owning that new home of your dreams with fewer hassles and worries. You can just enjoy your new future.

Sunday, October 17, 2010

Greenwich Real Estate News - Tips for Buying a Home When Relocating

In this economy, many people may be moving because of a better job offer, lower taxes, or just a better place to live for them. Whatever the case, it may be hard to buy a home when you are relocating because you are not familiar with the area and may not know where to start first. Here are some tips to buying a home in a new area to help get you started, and make the process easier for everyone. That way you can get started enjoying your new home even faster.

Find a Greenwich real estate agent and talk with them
Find an agent either by looking online or contact family and friends that may live in the area. Then talk to them about your situation and what you are looking for. They will be a great resource to help you find a home that is right for you.

Look Online at the area
You may want to start by looking at the tourism areas of the city to get an idea of what it is like or if you want a place close to your new job, you may want to start there. Ask coworkers for ideas as well.

Look through local newspapers for listings
This will help you get an idea of how the market is in this area and about possible neighborhoods and what homes are selling for. It is a good resource when first looking in a new area.

Gather information on disclosures and inspections
Every state does this a little differently, so it’s a good idea to get an idea of what to expect and what kinds of facts are allowed to be disclosed about the homes you might buy. This way you are one step ahead before viewing possible homes.

Decide on Neighborhoods to look in
After gathering this information, it is a good idea to narrow down which types of neighborhoods you would like to look in for a home. That way your real estate agent can better help you find a place that is right for you.

When you are relocating, trying to find a home can be difficult. With these tips though, hopefully the process will be a little easier. Then you can know what to expect and enjoy your new home and new area that much more and have fewer worries too.

Friday, October 8, 2010

Greenwich Real Estate News - Fall Staging

Fall is one of the most beautiful seasons in central New York. The leaves turn red, orange and yellow and the air takes on a crisp feeling that signals the near arrival of winter. Although most real estate advice tends to recommend spring and summer as the best times to sell a home, the right staging strategy can help you sell a home any time of the year.

There are staging rules that you need to follow if you want to give your home the best chance of selling; they don’t change from one season to the next. Curb appeal is still one of the most important factors to consider when staging in the fall. Rake up and bag all leaves and arrange to have the bags removed. Plant mums, available in the deep reds, oranges and yellows of the season, along the front of the home. A pumpkin or two along the porch is a nice touch. If it is icy or snowing, make sure that sidewalks, walkways, porches and stairs are free of ice and snow.

When it comes to selling a prospective buyer on the interior of your home, you should keep in mind that fall and winter buyers are looking for slightly different things than spring and summer buyers. For example, the sunroom that held a lot of promise a few months ago is now seen as a potential heating nightmare. Although showcasing natural light is still important, realize that buyers want a home that will be cozy and warm. Put up thicker window treatments and keep the heat turned up a bit when you are showing the home. If buyers are chilled while viewing the house, they will be a lot less likely to buy. If you have a fireplace, make sure it is cleaned and ready for use. If you have room, set a couch or loveseat in front of it, encouraging buyers to imagine curling up in front of a roaring fire on a cool night.

Fall and winter mean holidays, and holidays mean decorations. You don’t have to keep your holiday decorations packed away until next year just because you are moving. Decorate, but do so in a tasteful and sparse way. This isn’t the time to go overboard. A simple (non-flashy) decoration or two in each room is perfect.

The holidays also lead to clutter, and a lot of it. Gathering supplies for preparing holiday meals, wrapping gifts, and all of the other seasonal clutter-causers can add up fast. Devise an organization system and stick with it. Keep in mind that buyers want to see themselves in the home, which is difficult to do with clutter scattered around tables and counters.

A home should feel warm and inviting when it was being shown. In the fall and winter, there is one way to quickly and easily add a lot of charm and warmth to your home. Approximately 15 minutes before potential buyers arrive, pull a batch of fresh cookies, a fresh loaf of bread, a pie, or some other cold weather treat out of the oven. The smell of fresh baked goods can work wonders when you are trying to create a cozy feeling.

Friday, September 17, 2010

Greenwich Real Estate News - Things a Seller Must Disclose about Their Home

When selling a home, you want to impress the buyer and make them want to live in your home as much as you enjoyed living in it. You want them to see the benefits and good aspects of your home and not as many downsides or negatives. By law though, there are some things a seller must disclose or tell a buyer about their home. Here are some of the things a seller must disclose and how to disclose them. This may help make the process easier for both buyers and sellers in the long run.

Ask your Greenwich real estate agent for advice
When it comes to disclosing information about a home, a real estate agent has much experience with this. They can help you disclose information to a buyer and still make it to where the buyer may be interested. They are a great first resource.

Federal Disclosures about Lead Paint
If the home you are selling was built before 1978, the seller is required to disclose about the use of lead-based paint and the buyer is allowed to inspect the home for lead-based paint. This could save the seller money and hassles later on.

Material Facts Disclosed
This includes anything that may make the buyer reconsider buying the home, such as a defect, problems with the property, or a death in the home. Some states do not require disclosing death so check with your state.

Disclosing Cause of Death
Each state is different so you will need to check with yours, but it is a good idea to disclose this information especially if it was violent because this may effect the buyer’s decision to buy the home.

External Disclosures
These are any disclosures that could affect the property such as earthquakes, tornados, flooding, zoning, noise, water, ground or air pollution and any other possible hazard to a buyer.

Either though sellers may not want to disclose negative information about their homes to buyers, some disclosures are required and knowing what is or is not required by the seller can make the process less stressful for everyone. That way both buyers and sellers can rest easier with fewer worries in the future.

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1. Making the Decision to Buy:
The decision to purchase a home is often driven by the need for more space, the need to move to a new location or simply the desire to change one's life style. If you are unfamiliar with the area to which you are moving, the REALTOR you choose must make an effort to introduce you to the characteristics of the community and help you decide if this is a good match for your needs. Within any community there are variations by neighborhood, and these should become clear to you as you are shown properties in the community. By giving your REALTOR feedback, you can make the search process more efficient. If your REALTOR learns that you do not want to buy in a particular neighborhood, he or she will not show you properties there and will concentrate instead on those areas which interest you.

2. Selection of a REALTOR:
The selection of a REALTOR in a community such as Greenwich is made easier by the presence of the Greenwich Multiple Listing Service. Almost every real estate agent in the community is a member of the Greenwich MLS, which gives each REALTOR access to every property listed by every office in the membership. Therefore, it is not necessary to seek the services of more than one REALTOR.

In your selection of a REALTOR, you should look for someone with whom you are compatible. When you initially meet with a REALTOR, whether this is someone to whom you have been referred or someone you have randomly chosen, you will be asked to sign a buyer authorization form. Required by state law in order for the REALTOR to show you properties, provide you with information, and negotiate on your behalf, this agreement will state the time frame during which the agreement is in effect, the kind of property it covers, and the area of Connecticut in which it is effective. If you are uncomfortable making a commitment to a REALTOR, ask that the time frame be limited to a day, a week, a month or any time frame which you feel you need to determine whether you would like to work with this person. When you ascertain that the relationship is compatible, you can sign an extension of the time frame.

Since every REALTOR has access to the same properties through the Greenwich Multiple Listing Service, there is no need to use the services of more than one REALTOR concurrently. In fact, doing so can cause confusion to you and your REALTOR. Be sure that you have specifically described what you are looking for in a property and ask your REALTOR to introduce you to properties which most closely meet your criteria. Give feedback on properties that you are shown, so that your REALTOR can continue to refine the picture of what you need. If your criteria changes, communicate this to your REALTOR. For example, if you decide that a particular style of house does not fit your needs, let your REALTOR know so that houses of that style are no longer shown to you.

It is a REALTOR's responsibility to inform you of any material facts about a property which he or she knows. These facts would be things such a condition of roof, presence of wetlands on a property, a known change to a road which will impact the property, etc. It does not include information about the seller's reason for selling, who the neighbors are, etc. Your REALTOR may not know everything about the property's condition; that is why you will have a building inspection done before signing the contract to purchase.

When you have developed interest in a particular property, your REALTOR will be able to provide information about comparable sales in the area to help you determine value. Your REALTOR can arrange for you to visit the local schools, obtain information about programs available in the area and help you select the appropriate property.

3. Mortgage Pre-Approval:
You will contact a mortgage company or banking institution to understand what purchase price might be correct for you. Further understanding of your financial situation will allow the lender to issue you a "Pre-Approval" letter which stipulates that you have been approved for a mortgage up to a specific dollar value. This is a valuable asset for you during the negotiation process. If you are not familiar with the names of lenders in Greenwich, your REALTOR will be able to provide you with that information.

4. Finding the Right Property:
The search for your new home is truly a joint effort between you and your REALTOR. Be as open with your REALTOR as possible about your likes and dislikes. It is very important to tell your REALTOR what you like about each house you visit so he/she will begin to understand what you are looking for in the home you wish to buy. Between your input and your REALTOR's professional skills, the search will narrow until you ultimately find the "right" property for you.

5. Making an Offer to Purchase:
Once you have focused on one or two properties, your REALTOR will be able to provide you with market data on recently sold properties. This information will help both you and your REALTOR formulate your offer. Working with your REALTOR, you will be able to determine where you would initially like to start with your offer price. You should then develop a set of strategies, each dependent upon how the seller responds to your offer, so you do not end up "reacting" to any counter offer made by the seller.
The offer may include, but is not limited to the following:
  1. The Opening Offer Price that you are willing to pay.
  2. Financial Contingency requirements, amount of your mortgage and date by which you will receive a written commitment.
  3. The Closing Date upon which you will take ownership of the property.
  4. Inspection Contingencies (building, radon, lead paint, termite, well, septic, survey, etc.) usually termed "all physical inspections".
  5. Other Contingencies, if any, that are to be identified and included in a Contract of Sale along with dates if appropriate.
  6. Identification of the Inclusion and/or Exclusion of any "personal property" (washer/dryer, etc.).
  7. The date you will sign the contract and give 10% of the purchase price as earnest money.

This complete offer is then presented by your REALTOR to the Listing Agent for the property. The seller may respond in any one of the following manners:
  1. The seller may totally reject your offer without giving any counter offer.
  2. The seller may counter your offer with one of their own.
  3. The seller may accept your offer as it was presented.

Once a verbal agreement has been reached, a written "Offer to Purchase" is prepared by your REALTOR outlining the terms agreed to by you and the seller. This document is then transmitted to the Listing Broker and the attorneys of record.

6. Finalizing your Financing:
After an offer has been accepted by the seller the lending institution you have chosen will require an appraisal on the property to be mortgaged. The institution will send one or sometimes two appraisers to do a thorough inspection of the property to determine whether the property will qualify for the desired mortgage. Once the institution agrees to finance a particular property, they will issue a commitment letter whereby they agree to provide a certain dollar mortgage at a specific rate for a specific time and the buyer is assured the financing is in place.

7. Utilities and other details:
Your REALTOR will remind you about two weeks prior to closing that the appropriate utilities and services need to be notified in order to transfer the accounts to your name. These include, electric, gas, oil, propane, telephone and refuse. They may also include pool services, yard maintenance and more. During the same period the seller will be contacting the same providers to discontinue the same services. This transition needs to go smoothly to protect you from having to pay a "connection or hook up fee" because the service was completely terminated. Your REALTOR can help you with this, but the companies now require the new homeowner to initiate requests for service.

8. The Contract:
The seller will instruct their attorney to draw the Contract of Sale to include the terms agreed upon. Your agent will ensure that, at the same time, your attorney receives the necessary information so that he/she can begin their work and be prepared to receive and review the contract. Your attorney will review the contract from your perspective and insure that your interests are protected (such as including stipulations for delays, searching of Title, type of Title to be conveyed, cleanliness of the premises at the time of closing, etc.) The timing of this, dependent upon the complexity of the terms, should all take between five to ten days from accepted offer to signed contracts. You will normally be expected to submit an escrow check in the amount of 10% of the total purchase price (made out to the seller's attorney) with the signed contract.

9. Closing Day:
On the day of your closing, you and your REALTOR need to perform one last walk through of the premises. Together you will look to insure the property is in the condition is was when you signed the Contract of Sale. You will verify that the items to be included are present. You want to make sure the house and grounds are as specified within the contract and most important that there are no defects visible now which were previously hidden.

You (or in your absence, you power-of-attorney) will attend the closing - primarily to sign appropriate documents and deliver checks for appropriate amounts. If your situation dictates, you may actually meet with your lender immediately prior to the time of the closing to sign your mortgage papers. Between your REALTOR, your attorney and your lender you will be advised ahead of time of all the costs and fees associated with your closing.

10. Typical Home Purchase Costs:
  1. Points or loan origination fee.
  2. Adjustment of interest on loan from date of closing.
  3. Title Insurance (one-time fee required by banks).
  4. Credit check.
  5. Bank appraisal.
  6. Attorney's fee.
  7. Survey fee: If the property has not been surveyed, the lender to Title Insurance company may require a registered survey or plot plan showing the location of the dwelling(s) and the boundaries of the property, as well as easements and rights of way.
  8. Recording Fees: The buyer usually pays the fee for legally recording the new deed and mortgage.
  9. Homeowners Insurance: Proof of a current policy is necessary at closing. Adjustment costs paid to the seller at closing (where applicable)
    1. Buyer's share of pre-paid property taxes.
    2. Heating oil or gas remaining in tank(s).
    3. Association dues.
    4. Sewer service charge.
  10. Inspections made of the property (normally incurred prior to closing) which may have been performed at the request of the buyer, pest, structural, radon, lead based paint, well, septic, etc.
  11. Private Mortgage Insurance (PMI) if financing more than 80%. Tax escrow, if necessary.

Greenwich Real Estate - Selling A Home - Greenwich Homes For Sale At Inside GreenwichRealEstate.Com


1. Selecting a REALTOR:
Choosing a REALTOR is the first step in the home selling process. The selection of a REALTOR in a community like Greenwich is made easier by the presence of the Greenwich Multiple Listing Service. Almost every real estate agent in the community is a member of the Greenwich MLS, giving each REALTOR access to all properties listed in the MLS. You could start the search by asking your friends or your attorney to recommend a good candidate for you. Although a Real Estate company's reputation is important, your relationship will be with the Agent himself/herself. The REALTOR you choose should be a full time agent with broad experience and total knowledge of the market.

2. Preparing Your Home for Sale:
Everything in your home needs to be looked at through the "eyes" of the buyer. Your REALTOR should be able to help you with this. They will suggest things to be done to the property to ensure the highest price, such as painting (interior and exterior), removing valuable objects and "decluttering", having the windows washed, gutters cleaned and making other minor repairs that may be necessary. You should expect your Agent to be very frank with you about what your home may need to facilitate a timely sale.

3. Documents and Marketing Program:
Once you select a REALTOR you will be requested to sign a listing contract, a Greenwich MLS data input form, a State of Connecticut "Residential Property Condition Disclosure Form", and a U.S. Environmental Protection Agency Disclosure Form regarding lead based paint hazards (for properties built prior to 1978). Your Agent will review these documents with you, and if you care to seek legal advice, then do so before signing. Selling your house is disruptive and can be intrusive into your every day life, but your agent will work hard to minimize this.

4. Broker Open House:
The listing REALTOR of your property will schedule an Open House for the other REALTORS who are members of the Greenwich MLS so they may preview it. This helps REALTORS determine which of their customers might be interested in viewing your house. The Open House schedule in Greenwich is specific to certain times and sections of town allowing REALTORS to see as many Open Houses as possible in the given time frame. At the Open House the listing REALTOR will provide information, such as the listing itself and plot plans, and is available to answer questions about the properties.

5. Showing the Property:
The REALTOR will acquaint you with the various means by which a property can be shown. First, there is the installation of a keybox. This method allows the greatest access, because the only scheduling required is for the REALTOR showing the property to confirm with the homeowner that it is convenient to bring a prospective buyer over for a showing.

Somewhat more restrictive is the method by which the listing REALTOR alerts MLS members that a key to the property will be held at the listing office and a confirmed appointment would need to be made through the office.

The most restrictive method of showing is to require the listing REALTOR be present at the showing. This requires more scheduling between the homeowner, the listing REALTOR and the REALTOR who wishes to show the property to a client.

6. Considering an Offer:
When someone is interested in your property they will make an offer to purchase through their REALTOR. Your REALTOR will take you through this process. Some terms which may be included in the buyer's offer are:
  1. The offer price the buyer is willing to pay.
  2. The mortgage contingency requirements, amount of mortgage they are seeking and the date by which they will receive a written commitment removing the contingency.
  3. The closing date upon which Title and ownership of the property will be transferred to the buyer.
  4. A list of the inspection contingencies and when they will be lifted.
  5. Other contingencies (i.e. sale of home, etc.)
  6. Inclusions and/or exclusions of any "personal property" which may be a condition of the purchase.
  7. The date by which the contract will be signed and the buyer will provide 10% of the purchase price.
Once you and the buyer reach an agreement of the "terms and conditions" for the purchase, an "Offer to Purchase" is prepared by your REALTOR outlining the agreed upon terms. This document is then transmitted to the attorneys for buyer and seller.

7. The Contract Process:
The seller is responsible for having the attorney draw the Contract for Sale which will include the agreed terms and conditions. The buyer will normally be expected to submit an escrow check (made out to your attorney) with the signed contract, usually in the amount of ten percent of the total purchase price. The contract is typically a Greenwich Bar Association contract which will contain every detail and a schedule of inclusions and exclusions as agreed upon by both parties. The Seller Disclosure Form is also delivered as part of this package. After the buyers have signed the contract, it is returned to your attorney with the escrow check. Your attorney will then go over the contract with you and you will sign it.

8. Before Closing Day:
Near to the date of your closing the buyer's REALTOR and the buyer need to perform one last walk-through of the premises. Together they will ascertain that the property is in the condition it was when the Contract of Sale was signed. They will verify the items which were to be included are present. They will determine whether there are any defects visible now which were previously hidden. If any of these are found, you may need to be prepared to adjust for these costs at closing.

9. Closing Day:
You (or in your absence, your power-of-attorney) will attend the closing - primarily to sign appropriate documents and deliver checks for appropriate amounts. Between your REALTOR and your attorney you will be advised of all the costs and fees associated with your closing.

10. Costs Associated with Selling a Home:
Attorney's fee:
  1. Town of Greenwich Conveyance Tax ($2.50 per $1,000 of Sale Price). State of Connecticut Conveyance Tax ($5.00 per thousand up to $800,000 and $10.00 per thousand of $800,00).
  2. Survey Fee: If the property has not be surveyed, the Lender or Title Insurance Company may require a registered survey or plot plan showing the location of the dwelling(s) and the boundaries of the property, as well as easements and rights of way. This might fall on the seller's shoulders.
  3. Adjustment costs paid to the seller at closing (where applicable):
    1. Buyer's share of pre-paid property taxes.
    2. Heating Oil or Gas remaining in tank(s).
    3. Association Dues.
    4. Sewer Service Charge.