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Real Estate Resources:

• Special Offers - Special offers for Sebastopol, Graton and Occidental homeowners from Cary Fargo & Doug Schaeffer.

• Affiliates - Cary Fargo & Doug Schaeffer's real estate web site affiliates.

• eNewsletter - Cary Fargo & Doug Schaeffer'sSebastopol, Graton and Occidental 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 Sebastopol, Graton and Occidental, 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 Sebastopol, Graton and Occidental house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Sebastopol, Graton and Occidental 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.

• Ask Anything - Ask Cary Fargo & Doug Schaeffer anything real estate.

• 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.

• Real Estate Tips - Cary Fargo & Doug Schaeffer'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 - Cary Fargo & Doug Schaeffer'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 Sebastopol, Graton and Occidental property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Sebastopol, Graton and Occidental Homes, For Home Buyers, For Home Sellers, Sebastopol, Graton and Occidental Information, Real Estate Resources, and About Cary Fargo & Doug Schaeffer.

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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 Sebastopol, Graton and Occidental

First Time Buyers >The Down Payment Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows. If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest. When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments. See All Tips In The "First Time Buyers" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Where is the world's oldest hotel? A  The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties. See More Real Estate Trivia >

Cary Fargo & Doug Schaeffer Prudential California Realty 7300 Healdsburg Avenue Sebastopol, CA. 95472 Cary's Phone: 707-824-4507 Doug's Phone: 707-824-4502 Fax: 707-829-5028 Cary's Email: cfargo@sonic.net Doug's Email: doug3@sonic.net No one knows Sonoma County like Cary Fargo and Doug Schaeffer. They specialize in Country Properties. Call or email Cary or Doug today! www.dougschaeffer.com is brought to you by Cary Fargo & Doug Schaeffer NUMBER1EXPERT™ in real estate for Sebastopol, Graton and Occidental, California, County Properties, Residential Read Cary Fargo & Doug Schaeffer's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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