Chattanooga, Ooltewah and Collegedale real estate and homes for sale in Tennessee - Darwin White, REALTOR® Darwin White REALTOR(r) for Chattanooga, Ooltewah and Collegedale, Tennessee real estate - NUMBER1EXPERT™ Darwin White NUMBER1EXPERT(tm) for Chattanooga, Ooltewah and Collegedale, Tennessee real estate
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Darwin White, REALTORŪ, real estate agent and broker for Chattanooga, Ooltewah and Collegedale Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 888-682-2144. or 423-421-4111 (Cell)

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"Extraordinary Patience"
"You had extraordinary patience and went beyond the call of duty"
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From My Affiliates: Chattanooga, Ooltewah and Collegedale Tennessee home buying, real estate listings, and homes for sale in Hamilton                       County, TN
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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 document must lenders provide within three days of receiving your application for financing?

A 
The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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Darwin White, REALTORŪ, real estate agent and broker for Chattanooga, Ooltewah and Collegedale Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)

Darwin White
RE/MAX Properties

6111 Shallowford Rd. Suite 105
Chattanooga, TN. 37421
Toll Free: 888-682-2144
Cell: 423-421-4111
Office: 423-894-2900
Fax: 423-894-2713
Email: homes@realestatehomelink.com

Hi. I want to be the first to invite you to the Chattanooga Tennessee Valley. Please allow me to offer to you my Real Estate Services. I have served the Chattanooga, Ooltewah, Harrison, McDonald, Apison and Collegedale area for 17 years, as well as Ringgold, Georgia. My approach to Real Estate Sales is simple--give the consumer the information they need to arrive at an informed decision, be available, communicate and respond to the unique needs of each individual with respect, tact, courtesy and professionalism. I love getting to know people and learning of their life experiences. I am native to Tennessee but grew up in Martin County N.C. My father had his own business, and I helped him with it from a very young age. I have been in sales since I was six. By the time I was 16 I had developed my own marketing company, which became one of the state's largest distribution companies in its field. My early training with my father taught me great work ethics, grit and courage that I have found very useful in Real Estate--both in patience with people and in the negotiation process. Servicing my customers with honesty and integrity was the key to my early success, and I have applied the same attention and service to my real estate business making me one of this area's Leading Real Estate Experts.


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