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Scott Ingraham Real Estate Group, REALTORŪ, real estate agents and broker for Panama City Beach and Panama City Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
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As top Panama City Beach and Panama City REALTORSŪ, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market. 

We have direct access to the Panama City Beach and Panama City area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. 

If you give us some idea of what you are looking for, We will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! 

This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers. 

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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
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What three things are necessary in order to purchase a home?

A 
Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
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Scott Ingraham Real Estate Group, REALTORŪ, real estate agents and broker for Panama City Beach and Panama City Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott Ingraham
Real Estate Group

9722 D Front Beach Road
Panama City Beach, FL 32407
850-249-7355
Toll Free: 888-836-8551
Fax: 850-249-2427
Email: Scott@ScottIngraham.com

With over 27 years of local business and Real Estate experience, the best is what we give you! Everything you need to know about buying or selling primary homes, vacation homes, residential lots, condominiums and waterfront properties can be found here on my Web site!

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