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First Time Buyers >Choosing A Lender

When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.

Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.

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Q	What amenity do 48% of all homes in the new housing market have?
A	48% of all newly-constructed homes now have 2 1/2 baths or more, up from 1985 when only 29% had more than 2 baths.
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Heidi Hovatter, REALTORŽ, real estate agent and broker for Columbia, Twain Harte and Sonora, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Heidi Hovatter
Century 21 Wildwood
18701 Tiffeni Drive
PO Box 548
Twain Harte, CA 95383
Cell #: 209-743-3010
Fax #: 209-396-2285
Email: Heidi@SonoraProperties.com
Heidi Hovatter is one of America's NUMBER1EXPERTS. Heidi will gladly represent you in the purchase of any home in Tuolumne County, including Sonora, Jamestown, Columbia, Twain Harte, Soulsbyville, Mi Wuk Village, Tuolumne, Cold Springs, Pinecrest, and Strawberry. Specializing in Buyer Representation ...she would love to help you find your dream home and add you to her real estate family. Whether you are seeking a family home, luxury estate, vacation home, NEW HOME or RESALE, Heidi and you will find your perfect home together. Heidi represents YOU, the Buyer, you get the benefit of her knowledge, experience and professionalism. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.

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