The Fear in the Market - Even on Fixed!

By
Real Estate Agent with HistoryMaker Homes

I don't know about you, but I've recently experienced something that I find astonishing. Buyers are uncomfortable about buying even with a 30yr. fixed rate mortgage. The fear that has spread across the country by the media about ARMs and balloon mortgages has planted the seed in buyer's minds that their mortgage payment will increase - even on a fixed rate mortgage! (I know we always disclose that even on a fixed rate mortgage, the payment may increase due to taxes, but not P&I)

 Have any of you experienced the same senario? I know education will be the best antidote to this, but I can only reach the people who visit my community and talk candidly about their knowledge of different financing options. It would be great to see a lender step-up and do a "back to basics" lesson for those who need to know the truth - that this is an awesome time to buy!

Don't panic - purchase!

 

Comments (1)

Laura Giannotta
Keller Williams Realty - Atlantic Shore - Little Egg Harbor, NJ
Your Realtor Down the Shore!

I've found the same thing...many buyers are intimidated by mortgage reps because many don't take the time to explain options, just plugging them into a program.

I've also found it difficult to explain to home buyers here in NJ the impact property taxes have on their mortgage payments and how important it is to keep abreast of taxes, for both their property and schools.  Buyers should also be aware of the last municipal property revaluation and any talk of reval in the near future.

Laura G 

Mar 01, 2008 04:52 AM