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We absolutely adore our new home and can hardly believe all you did to help us find, but more important, obtain this house.
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Welcome! Here You Can Find Great Information on Agoura, Dos Vientos, Moorpark, Newbury Park, Oak Park, Simi Valley, Thousand Oaks, Westlake Village, Wood Ranch, & Ventura County Areas Real Estate.
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Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Simi Valley, Wood Ranch and Ventura County real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top REALTORŪ. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR REALTORSŪ. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Simi Valley, Wood Ranch and Ventura County REALTORSŪ, we have the experience and track record you are looking for. Please let us help. - Robert Harris & Associates  |
Financing Your Home >Watch Your ARMs Length Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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| Q |
Which islands are considered the largest islands in the US?
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| A |
The Hawaiian Islands with 10,456 square miles are followed by Kodiak Island in Alaska at 9,510 square miles. |
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- NUMBER1EXPERTS™ 
