*Member Greenwich, CT Board of Realtors
*Member of Greenwich MLS
*Member of Westchester County NY Board of Realtors
*Member Westchester MLS
*Member of CTMLS
*Member of CMLS
*Licensed real estate agents in CT & NY
*Se Habla Español
*Se Parle Français
*Certified Relocation Specialist
*NAR Certified E-Pro Technologist
*Also can communicate in German, Italian, Portuguese & Japanese
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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Stephen and Gloria Filippo, a proven Greenwich, Old Greenwich, Riverside and Newtown, Connecticut NUMBER1EXPERT™ Top Selling real estate agents. Find Greenwich, Old Greenwich, Riverside and Newtown Homes - Find Greenwich, Old Greenwich, Riverside and Newtown, Connecticut real estate listings & homes for sale provided by Stephen and Gloria Filippo, your local expert real estate agents. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Stephen and Gloria Filippo, a proven Greenwich, Old Greenwich, Riverside and Newtown, Connecticut NUMBER1EXPERT™ Top Selling real estate agents. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Stephen and Gloria Filippo, a proven Greenwich, Old Greenwich, Riverside and Newtown, Connecticut NUMBER1EXPERT™ Top Selling real estate agents. Greenwich, Old Greenwich, Riverside and Newtown Information - Find local information on Greenwich, Old Greenwich, Riverside and Newtown, Connecticut including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Stephen and Gloria Filippo, a proven NUMBER1EXPERT™ Top Selling real estate agents. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Stephen and Gloria Filippo, a proven Greenwich, Old Greenwich, Riverside and Newtown, Connecticut NUMBER1EXPERT™ Top Selling real estate agents. About Stephen and Gloria Filippo - Information about Stephen and Gloria Filippo including testimonials, guarantees, credentials, and contact information. Learn why Stephen and Gloria Filippo is a proven Greenwich, Old Greenwich, Riverside and Newtown, Connecticut NUMBER1EXPERT™ Top Selling real estate agents. 
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Financing Your Home >Who Pays the Points When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.
The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.
In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.
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| Q |
What private residence is considered the most expensive house ever built?
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| A |
The William Randolph Hearst Ranch in San Simeon, California cost over $30 million, equivalent today to $276,883,320. Bill Gates recently built a home for over $40 million.
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Stephen and Gloria Filippo
Higgins Group of Greenwich
420 E. Putnam Avenue
Greenwich, CT 06807
Stephen's cell: 203-536-5658
Gloria's cell: 203-910-9393
Email: SGFilippo@CTGraciousHomes.com
Servicing the needs of clients for over 25 years. Gloria also speaks French, Spanish and some German, Italian and Portuguese. She also knows the basic greetings in Japanese, Chinese and Tagala (Philippine Language).
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