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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	Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
A	Lender in these states must pay interest on funds held in escrow accounts.
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The Tony and Libby Kelly Team, REALTORŽ, real estate agents and broker for Tigard, Beaverton and Portland Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

The Tony and Libby Kelly Group
Keller Williams Realty, Portland Premiere
17700 SW Upper Boones Ferry Rd
Portland, OR 97224
Tel: 503-330-5488
Toll Free: 800-395-1151
Email: Tony@TonyandLibby.com
Fax: 503-924-3590
Tony and Libby Kelly, MBA, M.Ed. are ranked in the top 2% of REALTORS in Portland Metro. and are Diamond-Platinum members of the Portland Metropolitan Association of REALTORS Million Dollar Club. They have been featured on HGTV's "House Hunters" & "my House is Worth What?". They specialize in providing a superior level of professional real estate services combining today's technology with yesterday's hands-on personalized care. As top producing listing and marketing specialists, they will get your home sold for top dollar and in a timely manner. Read what past clients have to say on the Testimonials Page on this site. Client feedback is the best endorsement we can imagine. We are dedicated to making your home selling and buying experience as easy and hassle free as possible. Satisfied customers are the foundation of our success! *Licensed in the State of Oregon

Keller Williams Realty real estate and homes for sale in Tigard, Beaverton and Portland Oregon

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