Encinitas, Carlsbad and Shadowridge real estate and homes for sale in California - Stan Chambers, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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Stan Chambers
All agents are NOT alike! Your Needs Come First! Call an Expert: 760-505-8008. DRE License # 01356002

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"I learned how a Good Realtor really pays off"
"Stan was able to re-negotiate our offer so the repairs would be built into the loan...amazing"
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School Reports in Encinitas, Carlsbad and Shadowridge, California
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Real Estate Tips
Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Real Estate Trivia
Q 
What is encroachment, and how might it affect a property owner?

A 
Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim.
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Stan Chambers, REALTOR®, real estate agent and broker for Encinitas, Carlsbad and Shadowridge, California home listings, property and land for sale - NUMBER1EXPERT

Stan Chambers
Sea Coast Exclusive Properties

900 South Coast Hwy
Encinitas CA. 92024
DRE License # 01356002
Direct: 760-505-8008
Fax: 866-449-2505
Email: Stan@StanChambers.com

My name is Stan Chambers and I have been a highly successful real estate professional in the Encinitas, Carlsbad, Escondido, Shadowridge, Vista, and Oceanside markets. My personal goal is to simplify the process of buying and selling real estate, and to satisfy everyone's needs to the best of my ability. My extensive experience and proven track record are factors you can count on when working with me. I use the latest technology to understand the current market and to make the connections necessary for our success. Please enjoy my website. It is just one of the many successful tools I use to assist my clients in marketing their real estate.

Equal Housing MLS REALTOR


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