Sincere Appreciation & Gratitude
From beginning to end you demonstrated professionalism, an enthusiasm for selling real estate, and a true concern for our families’ interests.
Jeff & Barbara Braman
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Request My Free Encinitas, Olivenhain and Carlsbad Relocation Package. Request my Free Encinitas, Olivenhain and Carlsbad Relocation Package. It's packed full of useful and important information about the Encinitas, Olivenhain and Carlsbad, California area. Don't move here without it! Are you new to the area? Request my FREE Encinitas, Olivenhain and Carlsbad package of relocation information. It's my job to help! There's no obligation, and I promise to respond quickly... 
Financing Your Home >Mortgage Myths
Nationwide surveys indicate that a large number of potential home buyers count themselves out of the market because of widely-held myths about home financing.
Some of the most prevalent myths include: 1) home buyers need large down payments (more than is actually the case); 2) the loan process works against people under age 35; 3) owning a home is more expensive than renting; and 4) minorities have no chance of getting a mortgage.
The surveys found that many people view the mortgage process as "difficult, stressful, and incomprehensible." Many qualified first-time buyers are unaware of special programs designed to make home ownership affordable to them. The home loan industry is always looking for new ways to dispel these myths because lenders want more business, not less. The alternatives to traditional 20% down, thirty-year fixed mortgages are astonishing. Mortgage brokers are experienced in explaining today's financing and debunking the myths.
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| Q |
Which hazardous substance is contained in sixty-four million houses and apartments?
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| A |
HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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