Long Beach, Lakewood and Seal Beach real estate and homes for sale in California, beach properties - Carol Gilles, REALTOR® Carol Gilles REALTOR(r) for Long Beach, Lakewood and Seal Beach, California real estate, beach properties - NUMBER1EXPERT™ Carol Gilles NUMBER1EXPERT(tm) for Long Beach, Lakewood and Seal Beach, California real estate, beach properties
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Carol Gilles, REALTOR®, real estate agent and broker for Long Beach, Lakewood and Seal Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)





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From My Affiliates: Long Beach, Lakewood and Seal Beach California home buying, real estate listings, and homes for sale in Los Angeles County, CA
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Ed Mitchell is a licensed General Contractor
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Handyman – Contractor
1st Affordable Contractor - Chad Ciciotte
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Dena Bricker of American California Financial
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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
Where would you go to visit the largest ancient castle in the world?

A 
You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres.
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Carol Gilles, REALTOR®, real estate agent and broker for Long Beach, Lakewood and Seal Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Gilles
The Real Estate Group

2300 Pepperwood Ave
Long Beach, CA. 90815
CA DRE# 00803846
Phone: 310-540-5231
Cell: 310-864-9738
Fax: 310-792-5711
Email: Carol@LongBeachHomeTour.com

Carol Gilles has been in real estate in the South Bay area since 1979. She has been awarded Top Producing Agent seven years, and is a multi-million dollar producer. She guides all her clients through all of their real estate need with exceptional experience and professionalism. Carol Gilles is America's NUMBER1EXPERT™ in real estate for the Torrance area. So contact her today!

Equal Housing MLS REALTOR


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