San Clemente, Mission Viejo and Laguna Hills real estate and homes for sale in California, luxury estates, view properties - The Heldoorn Team, REALTORS® The Heldoorn Team REALTORS(r) for San Clemente, Mission Viejo and Laguna Hills, California real estate, luxury estates, view properties - NUMBER1EXPERTS™ The Heldoorn Team NUMBER1EXPERTS(tm) for San Clemente, Mission Viejo and Laguna Hills, California real estate, luxury estates, view properties

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The Heldoorn Team, REALTOR®, real estate agents and broker for San Clemente, Mission Viejo and Laguna Hills 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 
Where will you find the world's largest indoor waterfall?

A 
The lobby of the International Center in Detroit, Michigan has a waterfall of 114 feet, backed by 9,000 square feet of marble.
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The Heldoorn Team, REALTOR®, real estate agents and broker for San Clemente, Mission Viejo and Laguna Hills California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Heldoorn Team
Keller Williams Realty

27101 Puerta Real #150
Mission Viejo, CA 92691
Phone: 949-348-9090
Fax: 949-269-9147
Email: Kellee@HeldoornTeam.com

When you want to buy or sell a home, in southern California, your first call should be to the Heldoorn Team. They know the entire area thoroughly, and they never quit until they have achieved your real estate goals. Fun, upbeat and friendly, Debbee’s and Kellee's style makes your home sale or purchase a pleasure. Call The Heldoorn Team today for a no-obligation consultation!

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