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Real Estate Tips
First Time Buyers >Finding A Loan

There are two important steps preliminary to becoming a homeowner. First you must find the right home and negotiate the price and terms with the sellers. Then you come to one of the most difficult parts of the transaction--finding the perfect loan.

You should do some comparison shopping among lenders. Your real estate agent can refer you to several reputable lending institutions which should be able to complete the loan process before your proposed financial approval date. The loan officer will take your application and have you sign all the necessary papers to authorize credit and employment verifications. You and the real estate agent should get periodic progress reports to make sure that all of the details are taken care of. Such reports will help to ensure that any potential problems are discovered and addressed before they can hinder the transaction.

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Real Estate Trivia
Q 
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?

A 
Lender in these states must pay interest on funds held in escrow accounts.
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Larry, Wanda and Al Agena, REALTOR®, real estate agents and broker for Torrance, Gardena and Redondo Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Larry, Wanda and Al Agena
Keller Williams
23670 Hawthorne Blvd. Suite #100
Torrance, CA 90505
Phone: 310-370-4010
Fax: 310-375-6860
Email: TheATeamRealtors@yahoo.com

Number1Experts™ Larry and Wanda were awarded the winning husband and wife team in the Southbay area of Los Angeles. They have a history of helping their sellers and buyers achieve their goals. They offer you skill, service, and the support you need to make your real estate transactions a success!

Larry was licensed in 1974 and Wanda in 1994. Together they bring a great deal of experience, and they know how to work hard to get what you want. Their philosophy is "Our Clients Are The #1 Priority". Their highest business reward is when someone refers another client to them due to the professional job they did in helping them reach their goals. Larry and Wanda want to "Thank You...Mahalo" for giving them all your referrals and the opportunity to work with you in your next real estate transaction.

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