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After looking at your post history this whole conversation is folly.You already posted that you know you are overpaying for a Homepath property. Then you asked a bunch of realtors if this makes sense. Big shocker the answer you get.Ask an accountant or a financial planner or an attorney and get the real answer. You asking a realtor if you should pay more than the appraised value is pointless. This is like me asking Mcdonalds if its ok for me to eat unhealthy food.The worst part about a homepath mortgage is you do not even have to get an appraisal so you have no idea what your overpaying.
If it is a purchase, most of the eastern shore, I.E. Easton is eligible for USDA housing benefits and they allow 102% financing with no mortgage insurance. Rates typically run about 1/8 higher then conventional loans. USDA approved lender so let me know if you have any specific questions.Let me know if this helps.
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For Sale: $304,900
For Sale: $349,900
For Sale: $329,900