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Steve Powell, REALTORŽ, real estate agent and broker for Hagerstown and Smithsburg Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Welcome! Here You Can Find Great Information on all Washington and Frederick County Real Estate

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 Hagerstown and Smithsburg real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top Realtor. 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 Realtor. 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.

Buying and selling a home is one of the biggest events in your life. As a top Hagerstown and Smithsburg Realtor, I have the experience and track record you are looking for. Please let me help.

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School Reports in Hagerstown and Smithsburg, Maryland

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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.

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Q	At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
A	The Temple of Heaven in Beijing, China, attracts the local faithful and tourists.
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Steve Powell
RE/MAX Achievers
222 E Oakridge Dr. Suite 2000
Hagerstown, MD 21740
Office:: 240-420-2410
Office:: 888-882-9132
Fax:: 301-739-0853
cell: 301-991-7990
Email:: stevepowell@mris.com

I'm a native of Washington County and have 20 years experience in real estate sales and leasing in Maryland. I own and operate a successful real estate investing company and specialize in both residential and commercial properties. Put my real estate team to work for you!

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