It depends on a lot of factors you haven't listed. You can get 100% financing if you're a veteran. You only need 3.5% down for FHA loans. If you do an equity-share with someone else (friend, relative, investor), they can put up the down payment in return for partial ownership of the property. However, if you make only $1,600 a month, that's only $19,200 a year. And even with good credit, you'd probably only qualify for a mortgage of about $60,000.
Check with a good mortgage broker for more information.... more
There are two aspects to this: 1) If you offer a low commission, agents that have buyers that are ready, willing, & able to buy your home will look at the properties that will pay them the most. If you had a choice between a job that would pay 10,000 or 12,000 which would you take? 2) You get what you pay for, paying a higher commission to the agent should get you more services. Most agents that offer to take listings for less commission are not going to put the time & effort into selling your home that it deserves. If your boss told you that today he decided to discount your pay, would you want to do your very best for him?
I suggest that you ask the agents you are interviewing what services you will be getting for your money, that will give you a better picture as to what the right commission is for you.... more
It depends on who you are, where you are, and which source of information you use. To be specific:
If you're getting the information from your county, it will depend on their particular policies. Many counties have data available online going back a decade or so, and have previous data going back further on microfilm.
If you're getting the information from your local MLS, then, if you're not a Realtor, you're probably out of luck. Many MLS's still have rules on the books preventing sold information being made available to the public. If you're a Realtor, then it will depend on the MLS's policies. Many have sold data going back a decade or so, and previous data is sometimes available on microfilm or hard copy.... more