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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 706-573-1904.
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Get Free Presentation On My Home Marketing. Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed. Find Out More > View All Offers >
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Compare three mortgages
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Alda Culpepper is one of The Top Selling Real Estate Experts Find Out More > |
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Welcome to the most important web page you will open today.Whether Buying or Selling, I am the agent for you!I am licensed in Georgia which includes: Columbus, Midland,Fortson, Ellerslie; in Alabama which includes:Phenix City,Ft Mitchell,Smiths Station,Ladonia,Salem.  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Ft Benning Area Real Estate market in this site. Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. - Alda Culpepper Coldwell Banker KPDK Associate Broker Accredited Buyers Representative Senior Real Estate Specialist Accredited Military Specialist  
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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Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?
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Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year. |
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