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Although Lenn Harley's post talks about the advantages of buying a new home in Loudoun County, VA, the most valuable point for readers of my Viera Florida Homes for Sale blog is the savings achieved based on the current interest rate.
Just take a look at the difference in principle and interest on a $300,000 mortgage from today's 4% and 2006's rate of 6.4%. That differenc eis quite significant - over $450 a month (>$5,000 a year!).
HOMES FOR SALE IN LOUDOUN COUNTY VA. HOW LOW INTEREST RATES HELP HOME BUYERS.
Home buyers in Loudoun County have more BUYING POWER now than ever before in memory.
"PI" is the Principle and Interest payment. Just look at the home buying power available to home buyers in Loudoun County in the recent past. We'll look at the monthly mortgage payment for principle and interest "PI" (before taxes and home owners insurance) to compare your HOME BUYING POWER.
Look at the PI for a $300,000 mortgage.
2011-2012 - with interest rates @ 4% for a 30 year fixed loan, the PI is $1,432.
2009-2010 - with interest rates @ 5% for a 30 year fixed loan, the PI is $1,610.
2008 - with interest rates @5.5% for a 30 year fixed loan, the PI is $1,703.
2007 - with interest rates at 6.46% for a 30 year fixed loan, the PI is $1,888.
We remember the "boom years" of real estate, 2004-2007 when real estate sold quickly. At that time, the volume of homes sold was fueled by what was considered "low interest rates". BUT WERE THEY??? NO.
ARMs. I remember vividly the number of buyers who were qualified and approved for mortgage loans in those years and I also recall that most of them were qualified with ADJUSTABLE RATE MORTGAGES. That was the "hey day" of ARMs. Not just ARMs, but sub-prime loans, no-doc loans, Alt-A loans that permitted buyers to borrow money with little (and sometimes no) documentation. Sadly, once property values plummeted and the ARM mortgages adjusted upward, many home owners couldn't refinance into a new loan and that started the foreclosure and short sale market we see today. Many home owners today cannot sell since they lack equity. This is just a small part of the fall-out from the "mortgage mess", but it's an important influence on the real estate market today.
However, today a home buyer can qualify for and be approved for a 30 YEAR FIXED MORTGAGE at an interest rate of only 4% (or less).
What's the lesson in this post to home buyers? Home buyers in Loudoun County can obtain a 30 YEAR FIXED RATE MORTGAGE LOAN at 4% interest and not be faced with their payments skyrocketing due to their mortgage interest rate going UP.
30 YEAR FIXED IS 30 YEAR FIXED. No longer will their be a 1 yr., 3 yr., 5 yr., 7 yr. adjustment to a higher rate.
We don't know what interest rates will be next year or the year after. We do know that they are at an historically low rate today. We also know that home prices are also back to about 2003-2004 levels in LOUDOUN COUNTY.
IS IT TIME TO BUY??? YOU BET IT IS!!
Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988, local 540-822-9907.
WHEN EXPERIENCE COUNTS. Experienced real estate agents surely help home buyers. Our 25 plus years of real estate experience gained through hundreds of successfully closed sales benefits home buyers. We know how to avoid mistakes and buyers benefit from our market savvy.
We provide home buyers with home search results that meet buyers' qualifications and stated needs. We provide carefully planned home tours to give home buyers time to examine homes carefully. We provide buyers with COMPARABLE or COMPETITIVE MARKET ANALYSIS so buyers can compare value. We help buyer understand various types of mortgage loans. We are ON THE JOB and attend all inspections to protect the interests of home buyers. We attend the closing meeting to make sure the numbers are correct and the home warrenty is in place.
For a tour of homes in your location of choice in Loudoun County, contact Homefinders.com. We'll arrange a wonderful tour and you can get to know the county, shopping, recreation, the real estate market and the hardest working Buyer's Agents in the area.
ASK ABOUT THE HOMEFINDERS.COM HOME BUYER'S REBATE OF 1% OF THE PURCHASE PRICE OF THE HOME YOU DECIDE TO BUY - ANYWHERE IN LOUDOUN COUNTY, VIRGINIA.
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Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.