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Excellence in Real Estate

ABOUT ERA

 

Just as you pride yourself on doing the little things that make your house a home, focusing on the fine details is what distinguishes myself as ERA professional.


ERA Real Estate has been in the business of fulfilling the dream of homeownership since 1972 as Electronic Realty Associates. Today, it is one of the world's leading residential franchise brokerage networks, with more than 38,000 brokers and sales associates.

For most people, buying or selling a home is one of the biggest financial commitments they will make in their lifetime. That's why ERA professionals are committed to guiding customers through each step of the transaction and going beyond the basic responsibilities of a real estate broker or sales associate.

Working with me, as a member of the ERA family, my clients and customers benefit from a variety of programs, services and methods created specifically to meet the demands and needs of people in every corner of the world. As a subsidiary of Realogy Corporation, the world's largest real estate franchisor, ERA Real Estate has the ability to offer special values on everything from mortgages and title insurance to products and services every homeowner needs, including the Seller Security Plan, Direct Access powered by ERA LeadRouter, Select Consumer Services™, Gold Star Properties and the ERA Home Protection Plan.


 

Use a REALTOR(R).

As a buyer, it usually costs nothing to hire a real estate professional to help you find and purchase a home--your Realtor will likely get a portion of the commission the seller pays to his Realtor. When choosing an agent, get referrals from friends, relatives, and co-workers, and then interview as many agents as possible. Pick an agent that works in the neighborhoods you're interested in. Listen to your agent, but make your own decision.

MORTGAGE TYPES

Fixed-Rate Mortgages

Fixed rate mortgages are mortgages where the interest rate stays the same for the entire term of the loan. The advantage to a fixed rate mortgage is that if you lock a relatively low rate, your payment won’t go up when rates do.

Adjustable-Rate Mortgages

With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. The rate of the loan is based on adding points to a fixed base.

Hybrid Loans

A hybrid loan combines a fixed period along with an adjustable component. Usually these loans are fixed for a period of time and then the loan becomes adjustable where it is dependant on current rates.

FHA Loans

An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.

VA  Loans

A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.