Palos Verdes real estate CA, Rolling Hills Estates real estate, Palos Verdes Estates real estate and Rancho Palos Verdes real estate, home listings and homes for sale in California, luxury and oceanview properties - Larissa, REALTOR® Larissa Rubijevsky REALTOR(r) for Palos Verdes, Rolling Hills Estates, Palos Verdes Estates and Rancho Palos Verdes Estates, California real estate, luxury and oceanview properties - NUMBER1EXPERT™ Larissa Rubijevsky NUMBER1EXPERT(tm) for Palos Verdes, Rolling Hills Estates, Palos Verdes Estates and Rancho Palos Verdes Estates, California real estate, luxury and oceanview properties
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Larissa Rubijevsky, REALTOR®, real estate agent   for Palos Verdes, Rolling Hills Estates, Palos Verdes Estates and Rancho Palos Verdes Estates California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Mike Bjork 

You couldn't have chosen a better Real Estate Consultant to assist you with your Real Estate Needs! 

Larissa Rubijevsky is partnered with the Number 1 RE/MAX Team for California and Hawaii for the past 5 years. She has proven herself to provide results for her clients with tailor-made solutions to fit their specific needs. She is truly a Professional in every word. 

Larissa and I have teamed up because we both agree that Customer Service is essential to any business organization. We both feel it is very important to communicate between clients and partners to create a smooth transaction and take the stress from your home buying experience. 

I am affiliated with majority of direct banking institutions, so you may be ensured your transaction will be completed seamlessly. Also, I have relationships with many other Lenders, whom may provide specific Loans tailored to the clients' specific needs. Another step toward becoming Pre-Approved is to have your Personalized Mortgage Plan. We have the Plan in place, so when you have your offered accepted, then you will have a Peace of Mind because you will have everything in place for your transaction (hence make it move along more smoothly). Also, I conduct complimentary Annual Reviews to ensure that you have the best Loan Program to meet your ever changing needs. 

Please feel free to contact me for any questions or assistance, 

Sincerely, 

Mike Bjork
Mortgage Planner
E-mail: Mike@MikeBjork.com
Website: www.MikeBjork.com
Direct Phone: (310) 694-3544

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Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Real Estate Trivia
Q 
At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?

A 
The Temple of Heaven in Beijing, China, attracts the local faithful and tourists.
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Larissa Rubijevsky, REALTOR®, real estate agent   for Palos Verdes, Rolling Hills Estates, Palos Verdes Estates and Rancho Palos Verdes Estates California home listings, property and land for sale - NUMBER1EXPERT(tm)

Larissa
RE/MAX Palos Verdes Realty

450 Silver Spur Rd
Rolling Hills Estates, CA. 90274
Phone: 310-387-1414
Fax: 310-265-8757
Email: larissa@NUMBER1EXPERT.com

Let the Champion work for you! Being a former professional athlete I know better than anyone else what discipline, focus and dedication mean in order to get best results. I find it fulfilling and rewarding to help people with one of their most important possessions or purchases...their home. I have a money/time/hassle-saving mentality and I'm always looking out for my client's best interest. I save my clients thousands of dollars by bringing my expertise, negotiating power and experience to the table. If you are not completely satisfied and happy with my services, I'll give my comission back to you!!

Equal Housing MLS REALTOR


RE/MAX Palos Verdes Realty real estate and homes for sale in Palos Verdes, Rolling Hills Estates, Palos Verdes Estates and Rancho Palos Verdes Estates California

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