Sherwood, Newberg, and Dundee real estate and homes for sale in Oregon - Jim and Mikki Snell, REALTORS® Jim and Mikki Snell REALTORS(r) for Sherwood, Newberg, and Dundee, Oregon real estate - NUMBER1EXPERTS™ Jim and Mikki Snell NUMBER1EXPERTS(tm) for Sherwood, Newberg, and Dundee, Oregon real estate
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Jim and Mikki Snell, REALTOR®, real estate agents and broker for Sherwood, Newberg, and Dundee Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)
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School Information: Sherwood, Newberg, and Dundee Oregon home buying, real estate listings, and homes for sale in Yamhill                        County, OR
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Real Estate Tips
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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Real Estate Trivia
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What economic factor can make the purchase of a home an excellent long-term investment?

A 
Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Jim and Mikki Snell, REALTOR®, real estate agents and broker for Sherwood, Newberg, and Dundee Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim and Mikki Snell, GRI
Prudential Northwest Properties

2318 Portland Rd., Suite 100
Newberg, OR 97132
Jim Direct: 503-351-5918
Mikki Direct: 503-381-5695
Fax: 503-520-2451
Email: portlandruralhomes@number1expert.com
Email: mikki@jimsnell.com

As two of America's NUMBER1EXPERTS™ in the Sherwood, Newberg, and Dundee area Jim and Mikki are well equipped to guide you through all your real estate needs. Call or email them today!

GRI ABR SRES


Prudential Northwest Properties

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