@Anonymous wrote:
@StartingOver10 wrote:It is more likely that your agent belongs to the same office as the listing agency and that is why s/he has to disclose 'dual agency' to you. Or it may be a mandatory form according to the agent's office or state requirements. Get the info directly from your agent.
The agency disclosure refers to the entire office and not just the agent. You will need to speak to the agent that sent you the form to see why he submitted a dual agency form for you to sign. Express your concerns so he can address them directly.
The other agent you have - isn't she licensed in another state entirely? If she is licensed in your state, then yes, speak to her if you are more comfortable with her as your representative.
One more comment: a full price offer with a seller contribution toward your closing costs is not a full price offer. Example: List is $400k and your offer is $400k with a 3% contribution toward your closing costs. That makes your actual offer $400k less $12,000 which is $388,000. The seller contribution toward your cc comes right off the top + the seller has his or her 8 to 9% of their own closing costs to pay on top of whatever contribution you can negotiate.
Ok got it. The home is pretty cheap for the area and has central air and gas heat. It is a nice home its 300k. Its pretty low but I just don't want to pay closing cost because this guy is trying to help the seller. I am looking for best deal lol
Don't step over a dollar to pick up a penny 
I don't know your area or the deal. The best way to explain the variances between sellers that will contribute toward your closing costs and those that won't comes down to two things: your individual market (it may be a sellers market) and the seller's willingness or not to contribute toward your costs in addition to their own mandatory costs.
Years ago buyers closing costs were not so high. If you pay cash for the property - there are still buyers costs, but they are much, much less than if you have a mortgage. Most of the costs associated to the buyer are due to the buyer electing to get a mortgage to purchase rather than paying cash for the property.
The seller also has substantial costs above and apart from the buyers costs. Those costs are generally a result of government fees, title work and commission. Some sellers simply do not want to pay your costs because they paid their own and think you should pay your own. In a sellers market - they can get a sale without paying your costs especially if the price of the property is low relative to other similar homes in the area.
If it is typical for sellers to pay your costs in your market (and I don't think it is in NJ), then that is a different story. Find out from your agent what your whole market is doing and find out what this specific neighborhood is doing for cc's.