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Real Estate Resources:

• Ask Us Anything - Ask us anything real estate.

• Special Offers - Special offers for Tarzana, Encino and Woodland Hills homeowners from Doug Ranger.

• Affiliates - Doug Ranger's real estate web site affiliates.

• eNewsletter - Doug Ranger'sTarzana, Encino and Woodland Hills 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 Tarzana, Encino and Woodland Hills, 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 Tarzana, Encino and Woodland Hills house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Tarzana, Encino and Woodland Hills 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.

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

• Real Estate Tips - Doug Ranger'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 - Doug Ranger'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 Tarzana, Encino and Woodland Hills property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Tarzana, Encino and Woodland Hills Homes, For Home Buyers, For Home Sellers, Tarzana, Encino and Woodland Hills Information, Real Estate Resources, and About Doug Ranger.

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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 Tarzana, Encino and Woodland Hills

Financing Your Home >Watch Your ARMs Length Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate. First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  During what months of the year do most people move from one home to another? A  Most moves occur between the months of May and September. See More Real Estate Trivia >

Doug Ranger RE/MAX Grand Central 18946 Ventura Boulevard Tarzana, CA 91356 Toll Free: 800.498.6707 Doug's Cell: 805.208.2488 Patty's Cell: 818.903.1900 Fax: 801.303.7032 Doug: Doug@DougRanger.com Patty: Patty@PattyNottoli.com The Ranger Team of RE/MAX Grand Central specializes in friendly, high-tech personalized service to home buyers and home sellers. We have a strong Internet presence and believe in saturation marketing. We use four multiple listing services and have built a very effective referral network to find and sell property. Please consider us your online, in-touch real estate consultants for all your property needs in Los Angeles County and Ventura County. Call or email anytime. We're always ready to help. RE/MAX Grand Central www.dougranger.com is brought to you by Doug Ranger NUMBER1EXPERT™ in real estate for Tarzana, Encino and Woodland Hills, California Read Doug Ranger's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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