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For Realtors: Cobb, Middletown, Kelseyville California home buying, real estate listings, and homes for sale in Lake County, CA

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You can trust me with your important referrals. I have a great track record of success as a top producer. I have the experience you are looking for. Plus I am a very web-savvy Realtor, which is important to the majority of homeowners today. Why send a referral to anyone other than the best? This only reflects positively on you.

As you well know, top real estate agents also have a higher closing ratio. You'll have a better chance of making a sale when you send your referrals to me.

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About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

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Q	What is considered one of the slimmest buildings ever designed?
A	The Carnegie Hall Tower, designed by Cesar Pelli, is only 50 feet wide and 60 stories high.
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Timothy Toye, REALTORŽ, real estate agent and broker associate for Cobb, Middletown, Kelseyville California home listings, property and land for sale - NUMBER1EXPERT(tm)

Timothy Toye
Timothy Toye & Associates
Cobb Village Center
16360 Hwy. 175
Cobb, CA. 95426
Office: 707-928-6900
24-Hour Direct Line: 707-928-5912
Fax: 707-928-5696
Email: Timothy@TeamToye.com
Lake County's Leading Real Estate Team covering the whole of the County including Cobb, Middletown & Hidden Valley Lake, Clearlake Riviera, Jago Bay, Riviera West, Buckingham & Riviera Heights.

Timothy has more than 26 years experience successfully selling real estate both in California and the US, as well as in his native land of New Zealand. He has assembled a powerful team of experienced Realtors with full office marketing and administrative assistance to ensure that you have a positive and successfull real estate experience.

He has extensive management, real estate investment and marketing experience, having worked and consulted with Best Image Marketing, the top Internet marketers for Realtors in North America, and located in Lake County. The other members of the team complement this experience.

Timothy is both a high individual producer, having closed as many as 130 transactions in a year, including selling more properties than any other Realtor in the County from 2004 to the present, as well as a skillful sales manager & trainer.

In 1990 he led his sales team to the #1 residential sales production award in the whole of New Zealand. He and his team have invested personally in real estate extensively in many different kinds of property including single family homes, fixer-uppers, apartment buildings and raw land. They have bought several properties 'creatively' with no money down.

A resident of Lake County since 1991, Team Toye brings a combination of personal skills and in-depth experience to ensure your real estate experience is as positive and beneficial for you as possible.

www.lakecounty-realestate.com is brought to you by Timothy Toye
NUMBER1EXPERTS™ for Cobb real estate CA, Middletown real estate, Kelseyville real estate, California, Vacation Homes, Lakefront and Waterfront Properties

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