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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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Find Out About the Latest Homes for Sale First! I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS. Find Out More > View All Offers >
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"We made the right decision in selecting you." "Jody and I appreciate your professionalism, energy and cooperation in the selling of our residence." Edward Aldridge, Jr. Read Quote > View All Quotes >
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  Awards and Achievements
- Have Bought or Sold Over $1 Billion Worth of Real Estate On Behalf Of My Clients
- Have Received RE/MAX "Circle of Legends" Award in 2009, the first ever among 450 Agents in RE/MAX Palos Verdes Realty & RE/MAX Execs Realty, since the start of the company in the 1980's
- Have Received RE/MAX "Lifetime Achievement" Award and "International Hall of Fame" Award
- Awarded #1 or #2 Sales Team in Re/Max Palos Verdes Realty in 2004, 2005, 2006, 2007, 2008, 2009, and 2010.
- Awarded Re/Max Highest Individual Honor, Diamond Club or Chairman's Club in 2004, 2005, 2006, 2007, 2008, 2009 and 2010.
- Awarded "Top Ten" Real Estate Team in Re/Max California and Hawaii year after year.
- Awarded One of Top Sales Teams in Re/Max Palos Verdes Realty in 2001-2003
- Awarded Re/Max Highest Individual Honor, Chairman's 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
 You often hear the expression, If you do what you love, people will love what you do, but it's not often you see someone who truly exemplifies it. For Stephen Haw, achieving the optimum results comes from being devoted to every one of his life's pursuits. Whether it's the on tennis court, in his education or through his approach to business, he doesn't settle for anything less than the highest possible standard of excellence. This trademark commitment to raising the bar is the only approach to life Stephen has ever known. Setting His Sights High Stephen credits a great deal of his determined work ethic to the lessons he learned from his parents while growing up in Taiwan. His mother and father ran an office supply store and instilled in him a deep understanding of the value of education, discipline and hard work. Anchored in these core values, Stephen relocated to the United States and concentrated on earning his MBA. After completing college, he immediately focused his dedicated spirit on a successful marketing tenure at a large chemical company. Commitment to Quality When this successful businessman can take some rare time off, he enjoys traveling and keeping physically fit. Anyone who has played tennis with Stephen can attest to his determined approach and ability to channel his energy into a challenging game. Stephen's decision to live in Palos Verdes Peninsula also speaks volumes about his dedication to maintaining a quality way of life. To him, its impeccable schools and picturesque environment represent the higher standards he has always set for himself. A Higher Standard In Business It's clear that Stephen has always pushed himself to go above and beyond the standard accepted level. He sees each day as another opportunity to put everything he has into everything he does. Nowhere is this fierce commitment more prevalent than in his career as a highly regarded real estate agent. For more than 25 years, Stephen has been breaking new ground and exceeding the expectations of his clients. His unyielding determination to make things happen for his clients is creating spectacular results. Exceeding Expectations Stephen treats every client's goals as if they are his own. After sitting down with them to ascertain their objectives, he focuses on creating the best approach to achieve their unique needs. Whether it's finding the best value on the market or looking to get the maximum return on your sale, that Stephen takes real estate needs of his clients very seriously and works tirelessly to ensure that their move is a rewarding experience. From his sophisticated marketing techniques to his keen knowledge of the mortgage and financial aspects of a transaction, he approaches every client's move with the single intention of taking success to the next level. With integrity and determination that is simply unmatched, it's clear that Stephen approaches his work in overdrive. If you're looking to buy or sell a home and want to work with a professional who is Going Beyond Expectations in real estate, look no further than Stephen Haw. Call him today for a complimentary consultation. He has the commitment to bring your goals to fruition.  Alicia Enrique-Sialana The Stephen Haw Group RE/MAX Palos Verdes Realty 450 Silver Spur Road Rolling Hills Estates, CA 90274 (310) 544-9999 office (310) 703-1938 direct (310) 720-4852 cell (310) 703-1999 fax aliciasialana@gmail.com DRE#01423992
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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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| Q |
Where would you go if you wished to stay in the world's most expensive hotel room?
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| A |
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night. |
See More Real Estate Trivia > |
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