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Why Buyers Choose Sam  Xavier
Welcome > For Buyers > Why Buyers Choose Sam Xavier ...

Buying a Home Requires Many Difficult Decisions. Make Sure Your real estate agent is a Top Local Expert. 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As a top West Torrance, South Torrance, Redondo Beach and Lomita area real estate agent, here is how I will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the West Torrance, South Torrance, Redondo Beach and Lomita Markets, even listings not yet on the MLS, through my professional California real estate affiliations. 

- My expert local knowledge of the West Torrance, South Torrance, Redondo Beach and Lomita area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. West Torrance, South Torrance, Redondo Beach and Lomita is no different! It's my job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? I help home buyers make decisions like this every day, and I'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. I will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and I will view every home that you are interested in, together. And prior to closing I will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. I will give you the full benefit of my real estate knowledge and experience. 

Let me represent your best interests in your search for a new home in the West Torrance, South Torrance, Redondo Beach and Lomita area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Ask me any question about buying a home in West Torrance, South Torrance and Lomita. It's my job to help you! There's no obligation, and I promise to respond quickly... 

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Real Estate Tips
Financing Your Home >Balloon Mortgages

In loan terminology a "balloon" is the unpaid loan balance that must be paid in full on a specified due date. Federal savings and loan associations are permitted to make balloon mortgages with as little as five percent down and monthly payments that are smaller than the amount needed to fully amortize the debt. On the due date, which may be only a few years after the loan was made, the balance must be paid off or the loan must be renegotiated. Balloon borrowers must be cautious and plan carefully to avoid overlooking balloon payment obligations. It is easy to be lulled into complacency by the easy monthly payment terms.

Today's complex economics have produced a wide variety of options for potential borrowers, who are often surprised by how much house they can afford to buy. Loan approval is ultimately in the lender's hands, but your real estate agent can help you to determine your real buying power.

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Real Estate Trivia
Q 
In what U.S. home can you find the world's largest refrigerator magnet collection?

A 
Louise Greenfarb of Las Vegas, Nevada has 35,000 unique fridge magnets that she has been collecting since the 1970's.
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Sam  Xavier, REALTOR®, real estate agent and broker for West Torrance, South Torrance and Lomita, California home listings, property and land for sale - NUMBER1EXPERT(tm)

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

23740 Hawthorne Blvd, 2nd Floor
Torrance, CA 90505
Phone: 310-802-2456
Mobile: 310-866-7598
Fax: 310-378-2745
SamXavier@NUMBER1EXPERT.COM

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