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Featured in Realtor Profiles in the June 2008 Orlando Magazine, Cathy Melton is ready to assist you. CALL US: (321) 939-7888
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Meet The Imagination Realty, LLC Team Our team concept is built around developing lasting relationships, dedication to customer service, strong work ethics and high professional standards. We realize that buying and selling a home is a business transaction that takes expertise, top-notch negotiating skills and a deep breadth of knowledge that can be passed on to buyers and sellers. MEET Cathy J. H. Melton Broker Associate The Melton Team Cathy Melton hails from Ann Arbor, Michigan, home of the Big House and the Michigan Wolverines. Cathy moved with her family to Celebration, Florida 4 years ago. Cathy credits the long winter months and the lack of warm sunshine that inspired her move to Florida. Cathy's background in accounting, technology and her analytical skills have provided additional benefits for all of their clients. Cathy began her real estate career 11 years ago and is the former Owner and Broker of Verandah Place Realty, LLC. MEET Joanna M. Mikel Broker Associate Throughout my life and experiences, I have learned that my most valuable asset is my care and concern for people. This single perspective affects everything I do. It causes me to deal with integrity and honesty, always keeping my client's best interest in mind. It also allows me to define "success" in terms of how well I have been able to cultivate a strong relationship with my client through "active listening" and sharing in the definition and discovery of their needs, possibilities, desires and dreams. Even though I focus on and can show you every available property in Celebration, I am a Florida Licensed Realtor and can assist you anywhere in the sunshine state. I would consider it an honor to be your chosen Realtor. I look forward to the pleasure of meeting you and working together to determine and reach your real estate goals! jo@joknows.com Professional Qualifications: Realtor® National Association of Realtors Florida Association of Realtors Member of Orlando Regional Realtor Association (ORRA) Member of Multiple Listing Services (MLS) IFREC Real Estate School Other Qualifications of Interest: 14 years Sales and Marketing Experience; Software Solution, Hospital, Audio Production and Manufacturing CO-owned Southwest Ohio Audio Production Company, producing television and radio commercials 18 years professional voice and vocal talent 
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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Cathy Melton, Broker Associate The MeltonTeam Imagination Realty, LLC 617 Celebration Ave Celebration, FL 34747 Office: 321-939-7888 Fax: 321-234-0227 Mobile: 407-473-1300 cathymelton@NUMBER1EXPERT.com
Selling or purchasing a home requires more than placing a For Sale sign in your yard, or calling an agent that you find from a yard sign. Considering Real Estate is one of the largest investments most people will make in their lifetime, we encourage you to hire a professional team that will help you with all aspects of your real estate needs. Our team of full time professional agents are ready to assist you. Give us a call or contact us by email and we promise you an immediate response. Work only with the BEST, where we work hard to earn your trust and work even harder to maintain it.   
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