I don't have any friends in Florence who are Realtors. Besides, a referral fee on a 46,000 purchase is extremely small. I was honestly trying to help you. I don't even ask for referral fees in this price range because it would be hard to get an agent to take it because we don't really make as much as people think we do.
I wish you the best and I was truly tring to help you.
Darlene is probably just looking for a referral fee from "her friend" - who may or may not be a top notch buyers agent. I'd pass on that.
Is this a FSBO (for sale by owner) or a normal listing through a realtor? Have you been in that house yet? If so, were you with the Listing agent? Did you sign anything? Please provide more info about your situation.
I live in Columbia now but Florence is my home town. I can help you get in touch with a good realtor in Florence. Just give me a call or send me an email. It does depend on the comps from the last 6 months on the value of the homes in the area.
Darlene Vause, ABR, CNAS, CNRS, Realtor
ERA WIlder Realty
1084 Lake Murray Blvd
Irmo, SC 29063
It really depends on the property condition and how the price of the house compares to other sales. Honestly, if a house is priced reasonably, there is nothing wrong with paying full price. On the flip side, if it is worth$46,000 and it is priced at $90,000, an offer of $46,000 would not be too low.
The smart thing to do is to work with a Realtor. They can find out comperable sales in the area and let you know what it should be worth. They would also help you evaluate the condition of this property against the others sold.
Have you met with a lender yet? Right now, there is money to loan, but lenders are getting very "tight" with requirements, not just based on the buyers credit, but also based on the condition of the property and on how many houses you own.
The downpayment amount doesn't really effect the seller, but does make a difference on what types of loan you may be able to get.
If this is your fist house, or the first house you will have owned in the past two years, you may also qualify for the first time home buyers tax credit. If you buy the house for $46,000, you may be eligible for a check for $4,600 from the federal government (up to 10% of the sales price).
I hope that helps! Godd luck!