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School Reports in South Fulton, Douglasville and Snellville, Georgia

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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	Where was the famous final airport scene in the 1942 classic "Casablanca" filmed?
A	The scene where Humphrey Bogart says goodbye to Ingrid Bergman was actually shot on the east side of the Van Nuys Airport.
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Denise Amory, REALTOR®, real estate agent and broker for South Fulton, Douglasville and Snellville, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Denise Amory
RE/MAX METRO ATLANTA
1189 S. Ponce deLeon Ave
Atlanta, GA 30306
Cell: 770-833-2167
Office: 404-371-4419
Fax: 404-601-7394
deniseamory@NUMBER1EXPERT.com

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