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About Rosie the Realtor?: Victoria, Sidney, and Sooke British Columbia home buying, real estate listings, and homes for sale in BC

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Meet Rosie the Realtor

Rosemarie Colterman offers extensive knowledge and experience of the Victoria real estate market. Originally from Toronto, Ontario, she left her successful career in the counselling and management field to focus on her love of real estate.

Rosemarie prides herself on setting high standards: her integrity, attention to detail, care and understanding has built a loyal clientele. She considers her clients the heart and foundation of her business and goes the extra mile as their personal realtor. Rosemarie continually upgrades her skills and knowledge in the industry and feels it necessary to stay ahead of the constant changes in real estate. In her spare time, she enjoys running, playing sports, socialising with friends and spending quality time with her husband and three daughters.

Let Rosemarie’s professionalism, enthusiasm and expertise go to work for you as your personal realtor!

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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	What is considered one of the key elements of the American dream?
A	Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year.
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Rosie the Realtor, REALTOR®, real estate agent and broker for Victoria, Sidney, and Sooke British Columbia home listings, property and land for sale - NUMBER1EXPERT(tm)

Rosie the Realtor
Royal LePage Coast Capital Realty
1075 Pandora Ave.
Victoria, BC
V8V 3P7
Phone: 250-384-7663
Toll Free: 866-806-0982
Fax: 250-384-6614
Email: rosemariecolterman@NUMBER1EXPERT.com
Rosemarie Colterman offers extensive knowledge and experience of the Victoria real estate market. Originally from Toronto, Ontario, she left her successful career in the counselling and management field to focus on her love of real estate. Rosemarie prides herself on setting high standards: her integrity, attention to detail, care and understanding has built a loyal clientele. She considers her clients the heart and foundation of her business and goes the extra mile as their personal realtor. Rosemarie continually upgrades her skills and knowledge in the industry and feels it necessary to stay ahead of the constant changes in real estate. In her spare time, she enjoys running, playing sports, socialising with friends and spending quality time with her husband and three daughters. Let Rosemarie’s professionalism, enthusiasm and expertise go to work for you as your personal realtor.

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