Oakley, Brentwood and Antioch real estate and homes for sale in California - Bryce Ellsworth, REALTOR® Bryce Ellsworth REALTOR(r) for Oakley, Brentwood and Antioch, California real estate - NUMBER1EXPERT™ Bryce Ellsworth NUMBER1EXPERT(tm) for Oakley, Brentwood and Antioch, California real estate
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Bryce Ellsworth, REALTORŪ, real estate agent and broker for Oakley, Brentwood and Antioch California home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Real Estate Trivia
Q 
How can you give your home the equivalent of sunglasses?

A 
Install low "E" squared glass filters sunlight, saves on energy costs and prevents fading of furniture, drapes and carpets.
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Bryce Ellsworth, REALTORŪ, real estate agent and broker for Oakley, Brentwood and Antioch California home listings, property and land for sale - NUMBER1EXPERT(tm)

Bryce Ellsworth
Windermere Ellsworth & Associates

8335 Brentwood Blvd. Ste. F,
Brentwood, CA 94513
925-642-SOLD
925-642-7653
925-513-2605
Fax: 925-516-3254
Email: bryce@topproducer.com

As a local resident, I have a vested interest in what happens to this community. My goal for homeowners is to get them their best possible price within whatever their timeframe may be. This will be done through a variety of methods that consistently Get My Clients Top Dollar for Their Homes. For my Buyers, as an expert in the area, I will be able to guide you through each and every development and will work through all of the positive and negative things for each home. This will be key in knowing a Great Buy from a not so good one. I have achieved Top 10 status in sales in Contra Costa County for 2004, 2005, 2006 & 2007. I am also currently the Owner and Broker of Windermere Ellsworth & Associates. Regardless of whether you are a buyer, seller or just a curious fence sitter, you will be pleased with the professionalism, integrity and experience that I give to all of my clients. As you will see from my website, I am current with all the latest Internet technlogy and welcome you to explore the many resources I have to offer you.

REALTORMLSEqual Housing


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