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Testimonials: Westport, Weston and Fairfield Connecticut home buying, real estate listings, and homes for sale in Fairfield County, CT

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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	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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Darcy Sledge, REALTORŽ, real estate agents and broker for Westport, Weston and Fairfield Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Darcy Sledge
Prudential Connecticut Realty
272 Post Road East
Westport, CT. 06880
Phone: 203-227-5117
Fax: 203-227-5619
Email: dsledge@prudentialct.com
Darcy Sledge brings the skills, background and expertise required in todays competitive real estate environment. Because she has extensive roots in Westport, Weston, Wilton, Fairfield, Southport and surrounding areas, she can make sure that her clients choose the right area for them. Darcy has held a senior position in the business world, bringing a high level of professionalism to her clients. Her experience is extensive, including recognition as among the top 3% of Agents nationally, and she has been recognized by Whos Who. Along with her staff, she makes full use of available technologies in all aspects of her work. Darcy's clients have consistently given her top ratings for unsurpassed service. Contact this award-winning Realtor for your real estate needs.

**Prudential Connecticut Realty is an independently owned and operated member of The Prudential Real Estate Affiliates Inc., and Prudential is a service mark of The Prudential Insurance Company of America.

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