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Real Estate Resources:

• Special Offers - Special offers for Santa Monica, Pacific Palisades and Brentwood homeowners from Pence Hathorn Silver.

• Affiliates - Pence Hathorn Silver's real estate web site affiliates.

• eNewsletter - Pence Hathorn Silver'sSanta Monica, Pacific Palisades and Brentwood newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, California, and United States.

• Market Conditions Report - Market conditions report for this area, California, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Santa Monica, Pacific Palisades and Brentwood, California mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in California or buy your own Santa Monica, Pacific Palisades and Brentwood house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Santa Monica, Pacific Palisades and Brentwood mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other California real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Pence Hathorn Silver anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Pence Hathorn Silver's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Pence Hathorn Silver's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Santa Monica, Pacific Palisades and Brentwood property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Santa Monica, Pacific Palisades and Brentwood Homes, For Home Buyers, For Home Sellers, Santa Monica, Pacific Palisades and Brentwood Information, Real Estate Resources, and About Pence Hathorn Silver.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Santa Monica, Pacific Palisades and Brentwood

Financing Your Home >Your Mortgage Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem. More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt! See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What famous American sign was originally erected as a real estate ad? A  The Hollywood sign, built in 1923, was conceived as a real estate ad that originally read, "Hollywoodland." See More Real Estate Trivia >

Charles Pence, Loraine Silver and John Hathorn Coldwell Banker Pence Hathorn Silver 1531 Montana Ave Santa Monica, CA 90403 310-899-3527 Fax: 310-458-5901 jh@phsrealty.com Charles Pence, John Hathorn and Loraine Silver have served the Westside for over 30 years and have over 60 years of combined experience. They are in the Top 1% of all real estate agents nationwide garnering various Coldwell Banker awards such as the Top 100, International Presidents’ Elite and Society of Excellence awards. To date, they have represented, brokered or handled transactions in excess of $2.6 billion since 1978. www.PHSRealty.com is brought to you by Pence Hathorn Silver NUMBER1EXPERT™ in real estate for Santa Monica, Pacific Palisades and Brentwood, California, luxury properties Read Pence Hathorn Silver's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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