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All agents are NOT alike! Call Michael Fern at 707-928-1995 and learn more about what he can do for you.
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Landlords & Tenants both like to work
with us. We have 26 years in the business.
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Maximizing your income, while
protecting your asset
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Out How> |
Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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"I feel a deep gratitude to Timothy"
"He found me a buyer to make the sale of my wonderful house even with major roof and septic system problems."
Andrea Brae, Bali, Indonesia
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 Compare three mortgages at one time.
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Timothy Toye are some of The Top
Selling Real Estate Experts™
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Let Us Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation.
As the leading Lake County team of Realtors, we make it our business to be aware of every local home or property on the market in our specific areas. We even know of properties that will be available, but have yet to formally be placed on the market. We have direct access to the Lake County area MLS (Multiple Listings Service), and also to every other agent in the area and all of their listings. If you give us some idea of what you are looking for, we will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! And we're standing by. This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers. Fill out this form, and we will quickly get back to you! Please give me as many details as possible...
Financing Your Home >The Language of Financing
When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.
You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.
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| Q |
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
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| A |
Lender in these states must pay interest on funds held in escrow accounts. |
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- NUMBER1EXPERTS™ 
