Get Free Kettering, Dayton and Centerville Area School Reports From a Local Expert, Quickly by Email Everyone offers free school reports. Me too! Plus I offer more. As a Kettering, Dayton and Centerville real estate agent, I can tell you things about the schools that no report generated by a computer will ever know. Remember, I consult with people moving to the Kettering, Dayton and Centerville, Ohio area on a daily basis. It's my job to know, and my job to tell you. Call me for a first-hand experience of the local schools. Or fill out this form to send me a message right now. It's free and without obligation. I'll get back to you immediately with a phone call, a free report, or a brochure from a local school... What ages are your children? I'll tell you what your choices are for schools in the Kettering, Dayton and Centerville area. It's my job to help! There's no obligation, 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 world's oldest wooden structure?
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| A |
The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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