Cobb real estate CA, Middletown real estate, Kelseyville real estate, home listings and homes for sale in California, Vacation Homes, Lakefront and Waterfront Properties - Timothy Toye, REALTORS® Timothy Toye REALTORS(r) for Cobb, Middletown, Kelseyville, California real estate, Vacation Homes, Lakefront and Waterfront Properties - NUMBER1EXPERTS™ Timothy Toye NUMBER1EXPERTS(tm) for Cobb, Middletown, Kelseyville, California real estate, Vacation Homes, Lakefront and Waterfront Properties
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Timothy Toye, REALTORŪ, real estate agent and broker associate for Cobb, Middletown, Kelseyville California home listings, property and land for sale - NUMBER1EXPERT(tm)




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Unique and Luxury Homes: Cobb, Middletown, Kelseyville California home buying, real estate listings, and homes for sale in Lake                           County, CA
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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!
 

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. 

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. 

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As a top Cobb, Middletown, Kelseyville area Realtor, it's my job to know more about a property than any web site. Make sure you have the most current information! 

 



Real Estate Tips
Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Timothy Toye, REALTORŪ, 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. 95426-1353
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.

Equal Housing MLS REALTOR


Timothy Toye & Associates

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