"I'm so excited!"
Hey Sharyn, thanks again for your help in getting me prepared for this exciting time in my life.
Rick C.
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Bellingham WA Homes For Sale
Search the entire Bellingham Washington area including Fairhaven, Lyndon, Birch Bay, Semiahmoo, Sudden Valley, Everson, San Juans, Skagit County.
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Buyers Want Your Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for Free.  Are you thinking of selling your Mission Valley, San Diego and Coronado home? You should know exactly what it's worth before making such an important decision. Let us do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. As top real estate agents, we determine the value of Mission Valley, San Diego and Coronado, California area homes daily. Using the information you provide below, we can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market. Remember, market conditions can be different, even one Mission Valley, San Diego and Coronado neighborhood to the next. We know how to take all these factors into account when determining the true market value of your home. This service is completely free and without obligation. There are absolutely no strings attached. Why? We want the chance to show you our expertise as top Mission Valley, San Diego and Coronado real estate agents. Please provide us with some basic information on your home. What's your home or property really worth? Accurately pricing Mission Valley, San Diego and Coronado real estate is our job! Let us do a market analysis for YOUR property. There's no obligation, it's FREE, and we promise to get back to you quickly...
Financing Your Home >ARMs
Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.
Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.
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| Q |
Where is the world's longest spiral staircase?
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| A |
The White County Coal Mine in Carmi, Illinois has a spiral staircase that measures 1,103 feet and has 1,520 steps. |
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Sharyn Crown and Victoria Crown
Napolitano GMAC Real Estate
939 Orange Ave.
Coronado, CA 92118
Sharyn: 619-440-7832
Victoria: 619-977-3174
Email: sharyncrown@gmail.com
victoriacrown@gmail.com
Sharyn Crown brings an impressive depth of knowledge and skill to her real estate practice that has earned her a reputation as a consummate broker, professional and a trusted advisor. In addition to representing both Buyers and Sellers of single family homes, Sharyn has an extensive background in real estate development, with an expertise in structuring limited partnerships. She has handled all aspects of real estate investments including purchasing, management and sales for over 30 years. Sharyn knows the advantageous tax benefits of 1031 Exchanges.
Victoria Crown is a graduate of the University of San Diego. She has the distinction of completing 3 majors in 4 years, including Business (with a real estate emphasis), Political Science and Spanish. She currently has and MSRE (Master of Real Estate Science), and is in the final stages of her MBA> She is fluent in Spanish.
Victoria is a master of organization and a skilled negotiator in her own right. Her love of Downtown San Diego plus her unequalled market knowledge has brought her acclaim as an expert in the area. Victoria is also an avid Padres fan! 
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