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Selling a home with a conventional genuine estate agent isn't so cut-and-dried: Included expenses consist of a typical commission of about 6%, and depending on the state, closing costs that can range from 2% to 5% of the purchase cost. Sellers need to spend for repair work, too, and while the home is on the marketplace, they're stuck paying the home loan and other costs.

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For many homeowners, this path is the very best method to bring top dollar for their house especially in today's real estate market. Put simply, there are less homes on the market right now, so competition is high and many sellers are generating offers. For the most part, going for a lower rate from a financier just does not make good sense.

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