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For Home Buyers:
Why Buyers Choose Frank Zamarelli - Why homebuyers looking for a real estate agent in the Long Island, Smithtown and Stony Brook area choose Frank Zamarelli. Latest Listings - Get Frank Zamarelli's latest Long Island, Smithtown and Stony Brook listings of homes for sale first! Find Your Perfect Home - Frank Zamarelli will search for your ideal home and email you the newest Long Island, Smithtown and Stony Brook MLS listings of properties in Suffolk County NY. First Time Homebuyers - Are you a first time homebuyer in Long Island, Smithtown and Stony Brook, NY? Choose a top real estate agent. Frank Zamarelli can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Long Island, Smithtown and Stony Brook house or other real estate or property. Frank's Real Estate Specialties - I am an expert in selling homes. Why? Because my clients trust me, so much so, that they send their friends and family to me. Go to Main Sitemap - Main sitemap sections include Find Long Island, Smithtown and Stony Brook Homes, For Home Buyers, For Home Sellers, Long Island, Smithtown and Stony Brook Information, Real Estate Resources, and About Frank Zamarelli. 
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Closing or Settlement >The Settlement
The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.
When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.
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| Q |
What is a Balloon Mortgage?
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| A |
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Frank Zamarelli
Century-21 North End Realty
960 Middle Country Rd
St. James, NY 11780
Cell: 516-972-8115
Home office: 631-689-0519
Fax: 631-724-5866
Email: fzamarelli@yahoo.com
Email: zfrankjzamarelli@aol.com
Frank Zamarelli is a dedicated Real Estate Professional with many years of experience. Frank is a CBR (certified buyers broker), GRI (graduate of the real estate institute), a PRRA (professional real estate appraiser),a, RECS member, a SRES and a e-Pro. Frank also specializes in waterfront properties, new construction, horse properties, luxury homes, foreclosures, and historical homes. Frank is available 7 days of the week so don't hesitate to contact him today!
     
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