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Special Offers: Special offers for Phoenix, Glendale and Mesa homeowners from CurtisJohnsonRealty, top Realtors
Affiliates: CurtisJohnsonRealty's real estate web site affiliates
eNewsletter: CurtisJohnsonRealty's Phoenix, Glendale and Mesa newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Arizona, and United States
Market Conditions Report: Market conditions report for this area, Arizona, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Phoenix, Glendale and Mesa Arizona mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Arizona or buy your own Phoenix, Glendale and Mesa house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Phoenix, Glendale and Mesa mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Arizona real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Curtis Johnson Realty anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: CurtisJohnsonRealty's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: CurtisJohnsonRealty's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Phoenix, Glendale and Mesa property in Arizona, including legal terms definitions, and more

 

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Real Estate Tips
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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Real Estate Trivia
Q 
What is one of the most unusually shaped buildings in the world?

A 
The all-suite Arabian Tower hotel near Dubai is 1,052 feet tall, built on a man-made island and shaped like a boat sail.
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CurtisJohnsonRealty, REALTORŪ, real estate agents and broker for Phoenix, Glendale and Mesa Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Curtis Johnson
Curtis Johnson Realty

1839 S Alma School Rd, Suite 150
Mesa, AZ 85210
480-355-4000
Office: 480-355-4055
Sellers: 480-355-4040
Email: Leads@CurtisJohnsonRealty.com

A REALTOR who really cares, Curtis has built a solid base of satisfied homeowners. His business objective is to market properties for sellers and work for buyers to obtain the best home for them. Curtis has an extensive knowledge of the local real estate market.

Curtis holds several advanced professional designations including Graduate of the Residential Institute, Accredited Buyer Representative and he is one of the select few to obtain the Certified Residential Specialist designation. His areas of specialization include residential and income properties, relocations, "hard-to-sell" homes, and other challenging sectors of real estate. Curtis has been featured nationally on the cover of Realtor Magazine as well as locally in many publications for his innovative and aggressive marketing plans.

Curtis actively participates in local politics, projects of community service organizations, and is active in his church. In his leisure, he enjoys sports and spending time with family and friends. He and his wife, Marilyn, live in Chandler, AZ, with their two sons.

ABR CRS GRI MLS REALTOR


Curtis Johnson Realty Arizona Realtors real estate and homes for sale in Phoenix, Glendale and Mesa Arizona

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