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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KARI CHRIST w/ THE CHRIST TEAM
Keller Williams Realty
823 S. Austin Avenue, Georgetown, TX 78626
Phone: 512-863-2220
Direct: 512-784-8181
Fax: 512-868-6917
Email: Kari@KariChrist.com

Real Estate is my profession and my passion; it never grows old. Each client I work with has different wants, different needs, different personalities, different styles, different backgrounds, different likes and dislikes, different areas and different neighborhoods. It makes every day and each transaction unique!

Trust is what I build my relationships on, both in my personal life and my professional life. I live by the GOLDEN RULE and I want it show vividly in everything I do. My past clients, both buyers and sellers, know that I listen first to their needs and expectations and follow with what is important to them. I realize it is the little things that can make a big difference.

Most consumers have a friend, a relative, or someone they know with a real estate license. I know the overwhelming feeling that comes with having to choose an agent. A few key things to look for are: Find someone that has several years of experience, that is professional, that works real estate on a full-time basis, that has earned various accreditations and training, that works for a large local brokerage, and that has testimonials from satisfied clients. (I have all of those qualities because I want to ensure my clients experience a first-class real estate transaction.)

My promise to you is this: I will strive not only to meet your expectations, but to exceed them. I will invest my time consulting, negotiating and caring for the needs of your real estate transaction. My goal is for you to have a superb experience which causes you to share my name with friends, family and co-workers. Yes, I actually like it when people talk about me!

Contact me today and we can get started on your move.

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