Property Valuation

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Buyers Want Your Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for Free.

Are you thinking of selling your Torrance home? You should know exactly what it's worth before making such an important decision.

Let me do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold.

As a top Realtor, I determine the value of Torrance, California area homes daily. Using the information you provide below, I can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market.

Remember, market conditions can be different, even one Torrance neighborhood to the next. I know how to take all these factors into account when determining the true market value of your home.

This service is completely free and without obligation. There are absolutely no strings attached. Why? I want the chance to show you my expertise as a top Torrance real estate agent.

Please provide me with some basic information on your home. I'll get back to you quickly...

	About You
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	About Your Move
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Real Estate Tips

Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Real Estate Trivia

Q	At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
A	The Temple of Heaven in Beijing, China, attracts the local faithful and tourists.
See More Real Estate Trivia >

Carol Gilles, REALTORŽ, real estate agent and broker for Torrance, California home listings, property and land for sale - NUMBER1EXPERT

Carol Gilles
The Real Estate Group
3480 Torrance Bl # 100
Torrance, CA. 90503
CA DRE# 00803846
Cell: 310-864-9738
Fax: 310-534-4436
Email: carol@carolgilles.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! DRE# 00803846

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