St. Petersburg, Clearwater and Treasure Island real estate and homes for sale in Florida - Bindman Bruzas Realty, REALTORS® Bindman Bruzas Realty REALTORS(r) for St. Petersburg, Clearwater and Treasure Island, Florida real estate - NUMBER1EXPERTS™ Bindman Bruzas Realty NUMBER1EXPERTS(tm) for St. Petersburg, Clearwater and Treasure Island, Florida real estate
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Bindman Bruzas Realty, REALTORŪ, real estate agents and broker for St. Petersburg, Clearwater and Treasure Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
All Realtors are not alike!! Call us to find out why we are above and beyond the ordinary at 727-321-2300





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Testimonials: St. Petersburg, Clearwater and Treasure Island Florida home buying, real estate listings, and homes for sale in Pinellas County, FL
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J.W. Wegman
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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 
Nearly every state has a mandate for seller disclosure. What must a seller disclose?

A 
The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Bindman Bruzas Realty, REALTORŪ, real estate agents and broker for St. Petersburg, Clearwater and Treasure Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)


Bindman Bruzas Realty

5156 Central Ave.
St. Petersburg, FL. 33707
Jan Mobile: 727-510-1356
Michael Mobile: 727-480-9699
Office: 727-321-2300
Toll Free: 1-877-SureBet (748-7238)
Fax: 727-321-2320
Email: Jan@TampaBayLuxuryProperty.com

It's a sure bet with Bindman Bruzas Realty

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