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First Time Homebuyers: Lindsborg, Bennington and Salina Kansas home buying, real estate listings, and homes for sale in Saline County, KS

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Salina, Bennington and Lindsborg real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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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.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What is the most common name for a city in the United States?
A	Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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See the nation's top rated reports for Schools in Lindsborg, Bennington and Salina >

The Ashton Home Team, REALTORŽ, real estate agents and broker for Lindsborg, Bennington and Salina Kansas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Ashton Home Team
Millwood Realty
1101 S. Ohio
Salina, KS 67401
785-825-2177 Ext 31
785-826-7986
785-825-1526
Fax: 785-825-0637
theashtonhometeam@NUMBER1EXPERT.com
steveashton@topproducer.com
I am a native of Salina, KS and have been in the Real Estate profession for 17 years. I have my brokers/salesperson license and have consistently been in the top 1% of agents in the areas of listings sold, buyer controlled sales and total units sold for the past 15 years. I hold various designations and degrees: CRS (certified real estate specialist), ABR (accredited buyers representative), GRI (graduate realtor institute) and graduated from Wichita State University with a degree in Business Administration. I am a member of NAR (National Association of Realtors), KAR (Kansas Association of Realtors) and our local Multiple Listing service. I have served or am currently on the Board of Chamber of Commerce, Big Brothers and Big Sisters, American Cancer Society, American Business Clubs of America and Rotary International. I have been voted winner of the Salina Journals Readers Choice Award for Best Realtor four years in a row. I have a team of dedicated individuals who will work hard for you to make your real estate experience an enjoyable one. We look forward to meeting you!

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