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"Crista went way beyond my expectations"
"Crista went way beyond my expectations on every level. Very professional, very easy to talk to about my concerns and my personal situation."
Joyce Engelman, Vista, CA
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Crista McClure-Swan is one of The Top Selling Real Estate Experts™
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Buyers Want Your Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for Free.  Are you thinking of selling your Oceanside, Vista and Carlsbad home? You should know exactly what it's worth before making such an important decision. Let me do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. As a top REALTOR®, I determine the value of Oceanside, Vista and Carlsbad, California area homes daily. Using the information you provide below, I can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market. Remember, market conditions can be different, even one Oceanside, Vista and Carlsbad neighborhood to the next. I know how to take all these factors into account when determining the true market value of your home. This service is completely free and without obligation. There are absolutely no strings attached. Why? I want the chance to show you my expertise as a top Oceanside, Vista and Carlsbad real estate agent. Please provide me with some basic information on your home. What's your home or property really worth? Accurately pricing Oceanside, Vista and Carlsbad real estate is my job! Let me do a market analysis for YOUR property. There's no obligation, it's FREE, and I promise to get back to you quickly...
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 the role of the U.S. Housing Authority?
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| A |
Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states. |
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Crista McClure-Swan
Realty Executives
911 Hacienda Drive
Vista, CA. 92081
Phone: 760-458-0797
Fax: 760-295-2967
Licence: 01293835
Email: cristamcclureswan@NUMBER1EXPERT.com
Crista McClure-Swan is best known for her commitment to her clients and the personal relationships she establishes with them, as evidenced by the confidence and trust her clients have in her efforts. From first contact through close of escrow, Crista is always available to her clients and goes beyond her call of duty to make sure they have the best buying or selling experience possible. "If you are a buyer, whether it takes 1 day or 1 year to find you the right home, I'm committed to you and your needs and won't rush you. During escrow, I am in daily communication with my clients and take pride in the fact that my clients can feel comfortable calling me for whatever reason."
Crista backs her business and technology background and personal approach with proven performance. Crista was among the top 10% producing agents in her office in 2003. Crista has extensive buyer representative experience. Her client testimonials support her performance. As a listing agent, Crista offers extremely competitive pricing without sacrificing the full service clients require.   
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