Absolutely not!  Economists and financial experts agree that interest rates will go up; it is just a matter of when.  However, there may be a way to take advantage of today's low rates in the future that agents as well as the public seem to have forgotten.

FHA and VA loans are still assumable at their existing rates with buyer qualification.  Prior to the late 1980's, FHA and VA allowed buyers to assume the mortgages without qualifying which provided buyers with bad credit or insufficient income a way to obtain a home with financing.

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Part of the American Dream is to own a home.  Everyone want a place to call their own; raise their family; feel secure; create memories; and share with their friends.  Emotions create the desire to own a home but in an uncertain economy, buyers need to justify the decision with logic.  Some people are afraid to make the wrong decision; they need help from their real estate professional.

Agents have not been trained in recent years to explain why home are a good investment.  They've actually been encouraged to delegate questions about mortgages to lenders and tax professionals.  Consumer's difficulty in getting mortgage financing is today's biggest problem in closing a transaction.

Consumers want and expect agent's help in finding the "right" home but also help negotiating the price and terms, finding attractive financing and coordinating with other professionals.  Article 11 of NAR's Code of Ethics even requires residential REALTORS provide their clients and customers the services which are reasonably expected.

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Marketability is about appealing to the broadest base of potential buyers.

A seller willing to accept cash only is severly limiting the number buyers able or willing to buy his home.  If the seller is willing to consider a financing contingency, it opens the markt to part of the 92% of buyers who don't pay cash.

The more appealing the financing package, the more buyers will be attracted to the home.  A seller unwilling to accept a FHA or VA contract will eliminate up to half of the buyers in a given market.

A selling who is willing to make financing concessions to pay part or all of the buyer's closing costs or possibly an interest rate buy down would surely attract purchasers who might not have considered their home prior.

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