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No� Pi�a Realtor

Evaluation of Buyer�s Needs
�Do you have money down, how much?
�Money in the bank(, how much, checking, savings, 401K, IRAS "reserves" required by bank
�Your credit score if you know it or it's been run recently, (I do not recomend you run it by the online companies,we can run it for free and it's the one the banks require as they will not accept one printed by you
� Price Range?
� Bedrooms?
� Baths?
� Separate Dining Room?
� View?
� Yard?
� Garage or car port?
� How many levels, with few or no steps?
�Any other needs or features?
�Is Your Home Currently in the Market?
�How soon would you like to move?
�Is there anything which will preclude
you from purchasing a home today?
�Are you Pre-Qualified?

The Lender
There are many advantages to working with
a reliable, professional lender, he most
important being that a good lender will
SAVE you money, not squeze you for
as much a spossible. And here's a secret
There's no such thing as the "free loan"
as advertised by manybanks, they charge you
by giving you a higher interest rate.

May I recommend HFS. Home owner�s Financial Services was developed to assist Century 21 Arroyo Seco Clients in their Lending needs, providing clients with the best possible service and lowest possible rates. HFS Loan Officers go over the entire lending process with you so that nothing, I mean absolutely nothing is left out.

Give them a call, ask for Joe Olvera or Greg Schieber at: 323.259.0767 or Greg's Cell: 310.866.1476 or just stop on by M-F 12 - 7PM

Consider this piece of information from the National Association of Realtors: Since record keeping began in 1968, the national median home price has risen every year. In a balanced market, home values typically rise at the general rate of inflation plus 1.5 percentage points. That�s to say nothing of the tax benefits that come with owning your own home.
By Amy Hoak
From Marketwatch (realestatejournal.com) 7/31/2006