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v. .Buy down mortgage and vendor take back M'ore ways sti1 -to beat high -mortgage rates UY JAMIEJOINSTO In ny lai caumet, 1 tattoed about the undo payngialumtz mita 'Mo down« te.muaert o udaea A=p.pymàeby. oeaane. cm reduoe eh ffactvU <lM W. ram an h-c te eler.arn<merbuyeorwhen buyar. mn-! flot alord ehé- htghr iteeat rata in "Y'$> mafret. Some bulider, arn airady doing thi, by offéelng lieu hom. wleh finanding eh,. to forprcn.blolc cunutt mongSe tMU. Nou, w atm ame b.gleuttng ta a.e r«J amt brmkeag. compoitié proaettg muet folkw, If theywant ta compte. Beut what happait. If a purdeaie wants a mortgage 'boy doue, but eh. ved& won't agi.. Ti. amn other options avail- ahi t ktl nae home buying mornaffor- daN.. So t " o e n dera ofe financ- tn lm h.bye n do hikoun dlcuiby divaitlngý 1.=rot" wd ebtmgeotheewl, haape irno te douapayaient. If te puadeaser doe.n'e wuee ta raduoe thç doute peyment, andother option would be for te purchaae ta boy dowte hitéer- et rate, and then add on te. cote of te desouait on ta te "an principal. Aeog tuis option means taktlg out a4=gtl Urger ban, le delivent louer, murff mmi mataeabi. monthy paym.nt. At te dim when moflaage rate. ame kh. hotta. pr fraquen1y-tiar ta <aIl. Don't <auget that if Yeu lock ite» à hotu. et a pu pue, tou- you ulil b. respiog eh. =ead ho moregage rate. tan ta came dowei. Oee te cmt of buyenqg down a moperate for à &hoit term - a> six months oraàyuar - w1il b. e kmi le pue ave than waitulg for rates ta, corne doun @W. teh. pmyùn a higlur prias <fc te hwjuathealtu orgg dis- caime options e' tallea abu to, eh..'. atehe mue ta louer mohlgage payam t h. vudor tale hckmoetgg I've tald about all type. of autdelv finatng ppoac.ta cauntoeact h te linaor Talc. Bock" . . impet Mmrn a "Vaudor Tale Bacc" le a mbongag - ofte. a second moregage - talc,. or heid by te homesetar ai pane of te mal. ao xnpe homneowner ha. a hioua fr==with a fie mrgeOf S1I0Aat a favaurable rae . y would fik ta assume tht. finet mongage bot oeely ha WSO as a down payme.t. Vier doe. te. buyer get theetramny Ha could gota a finanial intttoi bo aet a ILa thi, uhen nwrqwa rAam hNge a secnd neortgage oul b. vuy ct.As analeal.e.udur ca tujte hteh.homounr e. barck a .=e morngage. et.a rate belou meark*- If ae . tht" la àgond duR for te bourw aWKh ha. Iowaue hIs monthly Nt. M= t" hameounar? If h. ac- epts eh. Oum ho wm nt go cash Wo ail te aquiey kt hia hotum. Furthenome h. ia redie tn on hi. moutey as hm. eh.. nubu ra. Wle eh.. foes .leouid ha considoed, te point ta resuaber la thet df te iudor doam' aoeep eh. offar thra may b. noa duel et aJI And, es imutm ra.dtmb; ieuer people mn afoit tu pur- chas hia houa. If te vendor doWat ucet te ropon- sbllty cf holding te mormigg <o a.vmr. Canedian ditie. à mark.t alrmdy a"eet for hoeneoune, ta mdl thoér Veteor Tale Backs . natl c -i a mAller uil uuaalty have ta hold on ta a Vandor Tale Bacc. Bet uhan te markeats am. .laeet le uey b. te only wey ta mae a mal. For a tru asw of "Hou ta Seil Yoeer =112 M. evet branch Wer pro . I. tob *l ata....