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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. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is the earliest residential building that remains in Manhattan? A  Fraunces Tavern, built in 1719, is where George Washington delivered his Farewell Address to his officers in 1783. See More Real Estate Trivia >

Dan & Patti Olivas Dan Olivas & Associates 240 Thunderbird, Suite D El Paso, TX 79912 Office: 915-584-5430 Fax: 915-584-1971 Cell: 915-241-0087 dpolivas@swbell.net Thank you for stopping by our site. www.teamolivas.com is brought to you by Dan Olivas & Associates NUMBER1EXPERT™ in real estate for El Paso, TX and Santa Teresa, NM, Texas, Military Relocation, Commercial Read Dan Olivas & Associates' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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