San Mateo, Half Moon Bay, El Granada and Moss Beach real estate and homes for sale in California - Kay Burns, REALTOR® Kay Burns REALTOR(r) for San Mateo, Half Moon Bay, El Granada and Moss Beach, California real estate - NUMBER1EXPERT™ Kay Burns NUMBER1EXPERT(tm) for San Mateo, Half Moon Bay, El Granada and Moss Beach, California real estate
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Kay Burns, REALTOR®, real estate agent and broker for San Mateo, Half Moon Bay, El Granada and Moss Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)
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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
Q 
What is considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?

A 
Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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Kay Burns, REALTOR®, real estate agent and broker for San Mateo, Half Moon Bay, El Granada and Moss Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kay Burns
RE/MAX Dolphin Real Estate

790 Main Street
Half Moon Bay, CA. 94019
650-996-5217
Cell: 650-996-5217
650-712-7915
Fax: 650-726-1197
Email: kay@kayburns.com

Kay Burns has been an active licensed Real Estate Agent since 1989, specializing in San Mateo County properties on the Coastside. She has worked with The Prudential Cypress Coast, RE/MAX Independence, RE/MAX Arrow and currently serves RE/MAX Dolphin Real Estate.

CRSEqual HousingGRIMLSREALTOR


RE/MAX Dolphin Real Estate real estate and homes for sale in San Mateo, Half Moon Bay, El Granada and Moss Beach California

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