Chesterfield, Wildwood and Ballwin Missouri real estate listings, home buying, selling and relocation information

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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 is considered to be one of the soundest long-term investments?
A	Real estate has a long-term record of strong investment return and is a driving force of the national economy.
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Kathy Irvine and The Irvine Team, REALTORŽ, real estate agents and broker for Chesterfield, Wildwood and Ballwin Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathy Irvine and The Irvine Team
Coldwell Banker Gundaker
14830 Clayton Road
Chesterfield, MO 63017
Office: 636-391-2100
Voice Mail: 314-567-8620
Toll Free: 800-791-3276
Fax: 636-391-3620
Email: Kathy@theirvineteam.com
The St. Louis Association of Realtors has recognized Kathy as the top sales associate for 10 of the last 12 recent years. With nearly 70 million dollars in sales in 2004, Kathy was honored for the 17th straight year as the TOP AGENT for the largest real estate company in the St. Louis area, Coldwell Banker Gundaker. She was also #1 in the Midwest Region and 12th nationwide for Coldwell Banker. However, the most important recognition Kathy and The Irvine Team get is the steady stream of testimonials and repeat business from her clients. She and her team set the pace, provide the service you can count on, and are dedicated to achieving your real estate goals. The Irvine Team constantly leads the St. Louis real estate market with their excellence, professionalism and service. The Irvine Team . . . . Nobody does it better. NOBODY!

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