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Financing Your Home >When Interest Rates Rise
Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.
One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.
If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.
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| Q |
What area in the U.S. is known for its pre-civil war mansions?
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| A |
Natchez, Mississippi boasts over 500 pre-civil war-style mansions; many are open to the public as museums. |
 See More Real Estate Trivia > |
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The Shaw Group
Real Estate Partners
807 Cherry Street
Chattanooga, TN 37402
Office: 423-265-0088
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SueShaw@NUMBER1EXPERT.com
CHATTANOOGA IS A GREAT PLACE TO LIVE! (And Signal Mountain, Lookout Mountain, Elder Mountain, and White Oak Mountain). We are situated in a beautiful valley surrounded by lakes and mountains. The beautiful Tennessee River flows through the heart of the city.
You've heard of the Chattanooga Choo Choo. We have IT, but we have so much more! A wonderful fresh water aquarium, Children's Museum, a glowing riverfront, Hunter Art Museum, walking trails, downtown housing, suburban housing, trees, water, natural beauty, Coolidge Park and many other delights.
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