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All agents are NOT alike! Find out why we are top real estate experts. Call us at: 707-824-2260 or 888-824-8950.
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Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time.
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Randy Mack and Mark Stevens are
some of The Top Selling Real Estate Experts™
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Special Offers: Special offers for Sebastopol, Santa Rosa and Healdsburg homeowners
from Randy Mack and Mark Stevens, top Realtors |
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Affiliates: Randy Mack's and Mark Stevens' real estate web site
affiliates |
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eNewsletter: Randy Mack's and Mark Stevens' Sebastopol, Santa Rosa and Healdsburg newsletter email will
send you the latest real estate information |
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Today's Real Estate News: Daily real estate news for this neighborhood, California, and
United States |
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Market Conditions Report: Market conditions report for this area, California, and
United States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Sebastopol, Santa Rosa and Healdsburg California mortgage payments save you on your
taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in California or buy your own Sebastopol, Santa Rosa and Healdsburg house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate Sebastopol, Santa Rosa and Healdsburg mortgages information and interest rate java calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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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. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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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. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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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. |
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TripleCalc: FREE Software
Download: TripleCalc lets you compare three loans at one time for your property
or other California real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Randy Mack and Mark Stevens
anything real estate |
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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 |
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Real Estate Tips: Randy Mack's and Mark Stevens' 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 |
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Real Estate Trivia: Randy Mack's and Mark Stevens' collection of real estate trivia questions
and answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Sebastopol, Santa Rosa and Healdsburg property in California, including legal terms
definitions, and more |
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Making An Offer >Creative Offers
Putting together an offer on a home is easy if the buyer has a lot of money, a terrific job and impeccable credit. Many buyers are not in that precise situation, however. And while sellers like to get their asking price, good listing agents prepare them for the possibility of receiving offers that involve some compromises.
Successful real estate agents know how to put together creative offers and do whatever it takes to make a transaction work. If a buyer is low on cash, the agent may structure an offer that shifts closing costs to the seller, minimizing the amount of cash that the buyer needs to close. A variation of a lease purchase arrangement might be effective if a buyer has recently changed jobs or is self-employed. Owner-financing for part of the loan can make a difference in some cases. If your agent brings you a complex offer designed to get a buyer into your home, don't say "no" until you understand the offer.
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| Q |
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?
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| A |
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
