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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 310-377-7539.
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"Our sincere thanks in making our dream come true"
"Your timing and coordination was impeccable. We were able to close escro and move into our new home before Christmas."
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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 >Qualifying Guidelines
It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?
The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.
While loan rejections are disappointing, they can be resolved.
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| Q |
What is the largest city square in the world?
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| A |
Located in Beijing, China, Tianamen Square, called the "Gate of Heavenly Peace", covers 98 acres. |
 See More Real Estate Trivia > |
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NUMBER1EXPERT®
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All rights reserved. All information deemed reliable but not guaranteed.
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- NUMBER1EXPERT™ 
