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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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Sara Littlefield, REALTOR®, real estate agent and broker for Darien, Rowayton and New Canaan Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Sara Littlefield
Prudential CT Realty
455 Post Road
Darien, CT. 06820
Office: 203-655-5114- ext 4746
Cell: 203-253-3350
Direct: 203-299-4746
Fax: 203-655-2348
Email: sara@saralittlefield.com
Sara Littlefield, a respected professional in the real estate market, is always on the cutting edge of the industry. Clients want fast, high sales, and Sara delivers just that. Her sales rank in the top 2% of Prudential nationwide including 75,000 plus real estate agents. And she has received the Prudential Legend award for five consecutive years as a local top-listing, top-selling real estate leader in this changing global marketplace. Sara has been honored with many customer service achievement awards during her career, earned through customer satisfaction ratings. Her clients especially appreciate her calm, good counsel, and focused and responsive approach to their real estate needs. Sara brings to her clients over a decade of marketing, advertising, public relations and consulting expertise at Apple Computer, Xerox and local commercial real estate companies including Summit Development and Spinnaker. She received a BA in English with Minor in Business from Santa Clara University and a MA in Business Communications and Public Relations from Emerson College. In graduate school, Sara specialized in Negotiations and taught international students International Negotiation & Mediation courses. All of which help her deliver the best results for her clients.

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