Vista, Oceanside and Shadowridge real estate and homes for sale in California - Stan Chambers, REALTOR® Stan Chambers REALTOR(r) for Vista, Oceanside and Shadowridge, California real estate - NUMBER1EXPERT™ Stan Chambers NUMBER1EXPERT(tm) for Vista, Oceanside and Shadowridge, California real estate
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Stan Chambers, REALTORŪ, real estate agent and broker for Vista, Oceanside and Shadowridge California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 760-505-8008.


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"Stan's enthusiasm and sheer hard work resulted in my family's move to an outstanding new home that represents a dream come true."
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First Time Homebuyers: Vista, Oceanside and Shadowridge California home buying, real estate listings, and homes for sale in San Diego County, CA
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Vista, Oceanside and Shadowridge real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

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Real Estate Trivia
Q 
What is the role of the U.S. Housing Authority?

A 
Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states.
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Stan Chambers, REALTORŪ, real estate agent and broker for Vista, Oceanside and Shadowridge California home listings, property and land for sale - NUMBER1EXPERT(tm)

Stan Chambers
Realty Executives

911 Hacienda Drive
Vista, CA. 92081
760-505-8008
760-758-2300 x256
Fax: 866-449-2505
Email: Stan@PlanetShadowridge.com

My name is Stan Chambers and I have been a highly successful real estate professional in the Shadowridge, Vista, and Oceanside markets. My personal goal is to simplify the process of buying and selling real estate, and to satisfy everyone's needs to the best of my ability. My extensive experience and proven track record are factors you can count on when working with me. I use the latest technology to understand the current market and to make the connections necessary for our success. Please enjoy my website. It is just one of the many successful tools I use to assist my clients in marketing their real estate.

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Realty Executives real estate and homes for sale in Vista, Oceanside and Shadowridge California

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