Elk Grove, Sacramento and Laguna Creek real estate and homes for sale in California - Roy Coudright, REALTOR® Roy Coudright REALTOR(r) for Elk Grove, Sacramento and Laguna Creek, California real estate - NUMBER1EXPERT™ Roy Coudright NUMBER1EXPERT(tm) for Elk Grove, Sacramento and Laguna Creek, California real estate
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Roy Coudright, REALTORŪ, real estate agent and broker for Elk Grove, Sacramento and Laguna Creek 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 has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?

A 
Real Estate--it goes through cycles, but still has a long-term record of strong investment return.
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Roy Coudright, REALTORŪ, real estate agent and broker for Elk Grove, Sacramento and Laguna Creek California home listings, property and land for sale - NUMBER1EXPERT(tm)

Roy Coudright
Coldwell Banker

9250 Laguna Springs Drive, Ste 100
Elk Grove, CA. 95758
916-691-3607
916-684-7706
Fax: 916-683-4802
Email: roycoudright@NUMBER1EXPERT.com

Hello, my name is Roy Coudright, and welcome to my website. Congratulations on taking the first step towards what will probably be the most important financial decision of your life. Whether you are selling a home or buying your first home, I can provide the service and expertise needed to assure a smooth and successful experience for you and your family. Remember, professionalism and service never go out of style! As America's NUMBER1EXPERT and one of Coldwell Banker's top producing agents with over 300 successful transactions in the last 4 years, I am Committed to Service! Call or email me today.

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