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“I refer all of my friends and family to Rick and the Coldwell Banker Grass Roots Realty Team.”
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Rick Dejesus and the Grass Roots
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Let Us Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As top Nevada City, Lake Wildwood and Grass Valley real estate agents, we make it our business to be aware of every local home or property on the market. 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 Nevada City, Lake Wildwood and Grass Valley area MLS (Multiple Listings Service), and also to every other agents 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! This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers.  Tell us what you are looking for! It's our job to know every property in Nevada City, Lake Wildwood and Grass Valley, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...
Financing Your Home >Home Buyers Education
As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.
Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.
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What does the term ARM stand for?
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An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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