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Buyers Want Your Home for as Little as Possible.
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"Couldn't Have Asked for Better"
"I couldn't have asked for a Better, more Organized, Can-Do Agent without whom I seriously doubt the property would have completed escrow"
Sincerely, Susan Williams, Vista, CA
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For Home Sellers:
Why Sellers Choose Stan Chambers - Why home sellers in Encinitas, Carlsbad and Del Mar choose Stan Chambers. Free Presentation - Free in-home listings presentation on marketing your Encinitas, Carlsbad and Del Mar, in San Diego County California property. Property Valuation - How much is your Encinitas, Carlsbad and Del Mar home worth? What Did That Home Sell For? - What did that Encinitas, Carlsbad and Del Mar, California property or other real estate sell for? FSBO - Selling your Encinitas, Carlsbad and Del Mar real estate on your own? Go to Main Sitemap - Main sitemap sections include Find Encinitas, Carlsbad and Del Mar Homes, For Home Buyers, For Home Sellers, Encinitas, Carlsbad and Del Mar Information, Real Estate Resources, and About Stan Chambers.
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Financing Your Home >Mortgage Terms
New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.
Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.
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| Q |
What famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"
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Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star. |
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Stan Chambers
Sea Coast Exclusive Properties
900 South Coast Hwy
Encinitas CA. 92024
CA 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, and Del Mar 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.    
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