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Welcome! Here You Can Find Great Information on Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Torrance, Redondo Beach, Hermosa Beach and Manhattan Beach, California Real Estate Department of Real Estate #0808646  
Awards and Achievements
- Have Bought or Sold Over $1 Billion Worth of Real Estate On Behalf Of My Clients
- Have Received RE/MAX Lifetime Achievement Award and International Hall of Fame Award
- Awarded #1 Sales Team in Re/Max Palos Verdes Realty in 2004, 2005, 2006 and 2007.
- Awarded Re/Max Highest Individual Honor, Diamond Club in 2004, 2005, 2006 and 2007.
- Awarded Top Ten Real Estate Team in Re/Max California and Hawaii in 2004, 2005, 2006 and 2007.
- Awarded One of Top Sales Teams in Re/Max Palos Verdes Realty in 2001-2003
- Awarded Re/Max Highest Individual Honor, Chairmans Club in 2003
- Awarded Re/Max Highest Individual Honor, Platinum Club in 2001-2002
- Fred Sands Palos Verdes Realty #1 Top Producer in 1997-2000
- Featured in the cover story of Real Estate Big Deals on the front page of South Bay largest newspaper Daily Breeze on July 26, 1998
- Awarded the Highest Value of Total Residential Transactions in 1995 and 1997 by the Chinese American Real Estate Professionals Association of Southern California
- Awarded Top 5 Re/Max Agents in California in 1992 and 1993
- Awarded Top 10 Re/Max Agents in the United States in 1993
Education and Professional Affiliations
- M.B.A. Degree in Marketing from Oregon State University
- Member of the Estates Division, RE/MAX Palos Verdes Realty
- Member and Director of Chinese American Real Estate Professional Association
- Member of Palos Verdes Peninsula Association of Realtors
- Member of California Association of Realtors
- Member of National Association of Realtors
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Financing Your Home >Convertible ARMs
Many lenders are offering a type of Adjustable Rate Mortgage which will allow the buyers to convert their ARM to a fixed-rate mortgage without the expense of refinancing. There are several variations of this type of loan, so you should be informed about the various options before you decide on a loan.
Each lender places restrictions on when the ARM can be converted to a fixed-rate loan. Some allow a conversion after the first year of the mortgage, while others allow a change only on the rate adjustment dates. There is usually a fee for converting the mortgage, but it is much less than the cost of refinancing. The rate that you will pay after the conversion may be slightly higher than the going rate for fixed-rate mortgages. A real estate agent can provide you with a list of lenders who offer convertible ARMs, so that you can shop for the one that is best for you.
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| Q |
In what area of the United States did the price of existing homes increase most dramatically in 2005?
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| A |
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005. |
 See More Real Estate Trivia > |
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NUMBER1EXPERT®
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