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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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Bill Kemp
RE/MAX Properties, Inc.
1740 Chapel Hills Drive
Colorado Springs, CO. 80920
Phone: 719-590-4708
Fax: 719-598-9308
Email: Bill@KempSells.com

Bill’s priority is to ensure your sale is at the highest possible price or your purchase is at the lowest, in the shortest amount of time, with the least amount of problems. He will keep you informed throughout the process and assist you in determining the Fair Market Value. Bill’s 19 years of experience in negotiating contracts will benefit you whether you are buying or selling. Bill will also update you on market conditions and assist you in determining any changes that may be needed during the selling or buying process.

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