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All agents are NOT alike! Find out why we are top real estate experts. Call us: (310)370-4010. -The A Team Realtors
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Get Free Presentation On Our Home Marketing.
Before signing a contract with any REALTOR®, make sure you know EXACTLY how your home will be marketed.
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We Knew We Were In Good Hands
Larry and Wanda covered all our needs, helped us through the stressful times and allowed us to voice our frustrations, too.
Richard & Mary Barrera
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 Compare three mortgages at one time.
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Larry, Wanda and Al Agena are some of The Top Selling Real Estate Experts™
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Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Torrance, Gardena and Redondo Beach real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top REALTOR®. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Our newsletter has information on Real Estate and is updated monthly. You will find everything from monthly interest rates to market conditions and various articles, news and advice on real estate. Click Here to see our monthly newsletter! Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR REALTORS®. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Torrance, Gardena and Redondo Beach REALTORS®, we have the experience and track record you are looking for. Please let us help. Larry, Wanda and Al Agena
The A Team Realtors - "Our Family Caring For Yours"
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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What five basic components of a "smart home" can be controlled by technology?
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Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home". |
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- NUMBER1EXPERTS™ 
