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	Lori Wold, Roger Deines, Scott Paulson, Mike Hastings

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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 are the characteristics of classic Queen Anne architecture?
A	Queen Anne homes are the most elaborate, romantic and feminine of all Victorian Homes.
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Roger Deines and Scott Paulson, REALTOR®, real estate agent and broker for Kansas City, Lee's Summit and Raymore, Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Roger Deines/Scott Paulson/Lori Wold/Mike Hastings
Deines/Paulson Real Estate Group
1153 N.E. Rice Road
Lee's Summit, MO 64086
Roger Deines: 816-210-6101
Scott Paulson: 816-251-1523
Lori Wold: 816-522-2068
Mike Hastings: 816-251-1433
FAX: 816-251-1499
Email Roger Deines: rogerdeines@planetkc.com
Email Scott Paulson: scottp@reeceandnichols.com
Email Lori Wold: lori@loriwold-sold.com
Email Mike Hastings: mhastings@reeceandnichols.com
Deines/Paulson Real Estate Group Over 13 years experience!

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