Bedford, Katonah and Somers real estate and homes for sale in New York, new construction, luxury custom homes - Maureen Callaghan Jacobson and Cindy Haber, REALTORS® Maureen Callaghan Jacobson and Cindy Haber REALTORS(r) for Bedford, Katonah and Somers, New York real estate, new construction, luxury custom homes - NUMBER1EXPERTS™ Maureen Callaghan Jacobson and Cindy Haber NUMBER1EXPERTS(tm) for Bedford, Katonah and Somers, New York real estate, new construction, luxury custom homes
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Maureen Callaghan Jacobson and Cindy Haber, REALTOR®, real estate agents and broker for Bedford, Katonah and Somers New York 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 the largest home in Hollywood?

A 
The largest home in Hollywood is currently "The Manor" at 36,500 square feet, built by T.V. producer Aaron Spelling for $37 million.
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" Cindy is no pressure and so nice"
"Cindy never made us feel any pressure to buy and she was so nice and available to me"
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Maureen Callaghan Jacobson and Cindy Haber, REALTOR®, real estate agents and broker for Bedford, Katonah and Somers New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Cindy Haber
Houlihan Lawrence

156 Katonah Avenue
Katonah, NY 10536
Cell: 914-393-7523
Direct Line: 914-232-1212 x327
Fax: 914-232-5641
Email: chaber@houlihanlawrence.com

Whether you are planning to purchase a starter home, vacation home, or an investment property, as a professional Realtor, it is my pledge to make certain that your next real estate transaction is a successful one! CALL ME, 914-393-7523: I'd love talk to you about your real estate goals - whether you're buying, selling, looking for land or just have questions about the real estate process, I’ll be happy to provide you with as much information necessary for you to make an informed decision!

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