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About Sam Xavier

Welcome > Agent Info > About Sam Xavier ...

Meet Sam Xavier 

Sam has enjoyed all aspects of living in the South Bay Area for the past 21 years! Sam moved to Hermosa Beach in 1991 after requesting to be transfered with a notable Computer Manufacturer he worked for in the Mid-Atlantic Region. After many years in the Computer Industry he decided to take his sales career to a new level and get his license! Sam has bought and sold many primary residences and owns many multi-residential investment properties! He currently resides in Lomita with his wife and children Sammy and Briana and dog Kobe!. He joined Re/Max Execs South Bay in 2005 after 1 year working for a small broker and working virtually on his own! In his spare time he enjoys Golf, Snow Skiing, Biking and spending time with his family! 


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Real Estate Tips

Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

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Real Estate Trivia

Q 
In what 2003 comedy does a very large family move to a new house on Forest Avenue in Evenston, Illinois?

A 
"Cheaper by the Dozen", starring Steve Martin, was actually filmed in a house in Los Angeles near the Farmer's Market.
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Sam  Xavier, REALTORŪ, real estate agent and broker for West Torrance, South Torrance and Redondo Beach, California home listings, property and land for sale

Sam Xavier - The Xavier REO Team
RE/MAX Execs South Bay

1720 S. Elena Ave
Redondo Beach, CA 90277
Phone: 310-356-4256
Mobile: 310-866-7598
Fax: 310-378-1997
SamXavier@NUMBER1EXPERT.COM

Equal Housing MLS REALTOR


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