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All agents are NOT alike! Find out why we are top real estate experts. Call us: 707-939-2043.
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Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time.
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Pat and Norm Brown are some of The Top Selling Real Estate Experts™
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Special Offers: Special offers for Sonoma County, Sonoma Valley and Sonoma homeowners
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Special Free Reports: Special Free Reports for Sonoma County, Sonoma Valley and Sonoma homeowners
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Who We Recommend: Who We Recommend |
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eNewsletter: Pat and Norm Brown's Sonoma County, Sonoma Valley and Sonoma newsletter email will
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Today's Real Estate News: Daily real estate news for this neighborhood, California, and
United States |
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Market Conditions Report: Market conditions report for this area, California, and
United States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Sonoma County, Sonoma Valley and Sonoma California mortgage payments save you on your
taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in California or buy your own Sonoma County, Sonoma Valley and Sonoma house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate Sonoma County, Sonoma Valley and Sonoma mortgages information and interest rate java calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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TripleCalc: FREE Software
Download: TripleCalc lets you compare three loans at one time for your property
or other California real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Pat and Norm Brown
anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT
real estate agentss and realty professionals and brokers in the USA and Canada
with links to their personal web sites with homes for sale |
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Real Estate Tips: Pat and Norm Brown's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Trivia: Pat and Norm Brown's collection of real estate trivia questions
and answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Sonoma County, Sonoma Valley and Sonoma property in California, including legal terms
definitions, and more |
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Financing Your Home >The Language of Financing
When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.
You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.
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| Q |
Where can you find the world's largest residential palace?
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| A |
The Istana Nurul Iman, palace of the Sultan of Brunei, includes 2,152,782 square feet, 1,788 rooms, 257 bathrooms and a 110-car garage. |
 See More Real Estate Trivia > |
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