Barton Creek, Westlake Hills and Austin Texas real estate listings, home buying, selling and relocation information

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From My Affiliates: Barton Creek, Westlake Hills and Austin Texas home buying, real estate listings, and homes for sale in Travis County, TX

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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	Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
A	York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S.
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Cathy Coneway, REALTORŽ, real estate agent and broker for Barton Creek, Westlake Hills and Austin Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Cathy Coneway
Stanberry & Associates
Commercial/Residential Realtor
1101 Capital of Texas Hwy South, Bldg F
Austin, TX 78746
Phone # : 512-422-5677
Fax #: 512-329-6040
Office Fax#: 512-327-3644
E-mail: Cathy@CathyConeway.com

Cathy has over 20 years experience in the Austin real estate market and is a Realtor with Stanberry & Associates.
She is currently serving or has served on the board of Texas Association of Realtors, South Austin Hospital, Downtown Austin Alliance, Life Savings Bank, Austin Board of Realtors, Homebuilders Association, Women's Council of Realtors, Habitat for Humanity and has been on the board of the Greater Austin Chamber of Commerce twice in her career. She is a Past President of Emergency Services District #9, Central Texas Commercial Association of Realtors, Oak Hill Business and Professional Association and was the 1999/2000 Chairwoman of the American Heart Association.

Cathy loves the outdoors and spends leisure time boating, playing golf, snow skiing, water skiing, herb gardening, playing bridge and traveling with her husband, Rick Coneway a Civil/Environmental Engineer.

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NUMBER1EXPERT™ in real estate for Barton Creek, Westlake Hills and Austin, Texas, luxury homes, Austin commercial properties

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