Sonoma County, Sonoma Valley and Sonoma real estate and homes for sale in California - Pat and Norm Brown, REALTORS® Pat and Norm Brown REALTORS(r) for Sonoma County, Sonoma Valley and Sonoma, California real estate - NUMBER1EXPERTS™ Pat and Norm Brown NUMBER1EXPERTS(tm) for Sonoma County, Sonoma Valley and Sonoma, California real estate
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Pat and Norm Brown, REALTOR®, real estate agents and broker for Sonoma County, Sonoma Valley and Sonoma California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Relocating?: Sonoma County, Sonoma Valley and Sonoma California home buying, real estate listings, and homes for sale in Sonoma County, CA
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Request Our Free Relocation Package. Don't Move To Sonoma County, Sonoma Valley and Sonoma Without It! 

Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the Sonoma County, Sonoma Valley and Sonoma, California area. 

If you will be moving to the Sonoma County, Sonoma Valley and Sonoma area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria. 

When you visit, we'll be ready! We will visit the Sonoma County, Sonoma Valley and Sonoma neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. 

Remember: As top Sonoma County, Sonoma Valley and Sonoma real estate agents, it's our job to know this area inside and out, and we want to make your transition as smooth as possible. 

To get started, fill out the form to request our FREE Sonoma County, Sonoma Valley and Sonoma, California Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... 

Are you new to the area? Request our FREE package of Sonoma County, Sonoma Valley and Sonoma relocation information. It's our job to help! There's no obligation, and we promise to respond quickly... 

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Real Estate Tips
Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Real Estate Trivia
Q 
What island was sold to Peter Minuit by the Indians for goods valued at 60 guilders ($24)?

A 
Peter Minuit arrived with a group of Dutch settlers in 1626 and purchased what is now known as Manhattan.
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Pat and Norm Brown, REALTOR®, real estate agents and broker for Sonoma County, Sonoma Valley and Sonoma California home listings, property and land for sale - NUMBER1EXPERT(tm)

Pat and Norm Brown
Frank Howard Allen Realtors

470 First Street East
Sonoma, CA. 95476
707-939-2043
707-939-2505
707-484-7159
Fax: 707-939-2044
Email: pat-brown@NUMBER1EXPERT.com

Pat Brown is one of America's NUMBER1EXPERTS™ in the Sonoma area. Since obtaining her California Real Estate License in 1989, she was awarded Sales Person of the Year in 1991 for Keegan & Coppin Co. Sonoma office, was the Frank Howard Allen Realtors Wine Country Group #1 "Top Producer" for five consecutive years (1996-2000),and received the Chairman's Circle of Excellence distinction for top production between 1999 and 2005 from that same company. Pat says that her my real job satisfaction comes from helping people buy and sell their homes..."I care about people, I work hard, I get results, and I help my clients have a little fun throughout the process of buying or selling a home."

SRESEqual HousingMLSREALTOR


Frank Howard Allen Realtors real estate and homes for sale in Sonoma County, Sonoma Valley and Sonoma California
Independently Owned and Operated




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