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Miracle Find

We had gone into Bankruptcy because our son was ill, Realtors with whom we'd spoken turned their backs. Not JUDI FRANICH! Because you did your homework, you found a seller who had a lot of equity and arranged for them to carry the first loan while YOU loan us the second so we could again be homeowners! Now, since we have been transferred, you netted us over $100,000. We will forever by grateful!
Richard and Julie, Home Buyer & Seller
Alamo, California

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School Reports in Blackhawk, Danville, San Ramon and Alamo, 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 >Convertible ARMs

Many lenders are offering a type of Adjustable Rate Mortgage which will allow the buyers to convert their ARM to a fixed-rate mortgage without the expense of refinancing. There are several variations of this type of loan, so you should be informed about the various options before you decide on a loan.

Each lender places restrictions on when the ARM can be converted to a fixed-rate loan. Some allow a conversion after the first year of the mortgage, while others allow a change only on the rate adjustment dates. There is usually a fee for converting the mortgage, but it is much less than the cost of refinancing. The rate that you will pay after the conversion may be slightly higher than the going rate for fixed-rate mortgages. A real estate agent can provide you with a list of lenders who offer convertible ARMs, so that you can shop for the one that is best for you.

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Real Estate Trivia

Q	What do 84% of homebuyers who use the Internet to search for homes have in common?
A	They use a real estate agent to purchase their home.
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The Franich Team, REALTOR®, real estate agent and broker for Blackhawk, Danville, San Ramon and Alamo, California home listings, property and land for sale - NUMBER1EXPERT

The Franich Team
RE/MAX Accord
313 Sycamore Valley Rd., West
Danville, CA. 94526
Direct: 925-736-1664
Cell: 925-330-2773
Fax: 925-964-0266
Email: Judi@JudiFranich.com
As preeminent real estate professionals in our community, we are dedicated to providing the finest service available while breaking new ground and setting new standards through the use of Internet marketing. Because the real estate industry is becoming more sophisticated and challenging every day, you need a professional that understands the industry and is positioned to stay ahead of the game. We can offer top contract negotiation skills and can save you thousands of dollars in buying and/or selling a home. Most important, we listen to your needs!

www.JudiFranich.com is brought to you by The Franich Team
NUMBER1EXPERT in real estate for Blackhawk, Danville, San Ramon and Alamo, California

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