Carmel, Pebble Beach and Monterey Peninsula California real estate listings, home buying, selling and relocation information

Carmel, Pebble Beach and Monterey Peninsula real estate and homes for sale in California - Rick Kennifer, REALTOR®

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Rick Kennifer, REALTOR®, real estate agent and broker for Carmel, Pebble Beach and Monterey Peninsula 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: 831-626-2284.

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Rick Kennifer is one of The Top Selling Real Estate Experts™
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Resources: Carmel, Pebble Beach and Monterey Peninsula California home buying, real estate listings, and homes for sale in Monterey County, CA

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REAL ESTATE RESOURCES:

	Special Offers: Special offers for Carmel, Pebble Beach and Monterey Peninsula homeowners from Rick Kennifer, top Realtor
	Affiliates: Rick Kennifer's real estate web site affiliates
	eNewsletter: Rick Kennifer's Carmel, Pebble Beach and Monterey Peninsula 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 Carmel, Pebble Beach and Monterey Peninsula 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 Carmel, Pebble Beach and Monterey Peninsula house, ranch, luxury property, condominium, acreage, or other real estate?
	Adjustable Rate Mortgages: Adjustable rate Carmel, Pebble Beach and Monterey Peninsula 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 Rick Kennifer anything real estate
	NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
	Real Estate Tips: Rick Kennifer'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: Rick Kennifer'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 Carmel, Pebble Beach and Monterey Peninsula property in California, including legal terms definitions, and more

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Buyers Remorse >First Time Buyers

People who are selling their homes should know something about the market group from which their buyers are likely to appear. Many homes are perfect for a first-time buyer. First-time buyers are making a major purchase they have never attempted before, and may be unusually subject to the inevitable stress and anxiety that goes with buying a home.

First-time home buyers are usually younger (between 25 and 34 years of age) and have distinct buying patterns. First-timers are often looking for homes that are smaller, and perhaps older, than repeat buyers. The median home size for first-time buyers is about 1450 square feet. Approximately four in ten first-timers will buy homes built before 1960, compared to two in ten repeat buyers.

First-time buyers are in the process of developing a clearly defined sense of what they want in a house. They may not have enough money to buy their ultimate dream home at first, but seventy-four percent say they like their new home better than their previous residence.

	See All Tips In The "Buyers Remorse" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What does the term ARM stand for?
A	An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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See the nation's top rated reports for Schools in Carmel, Pebble Beach and Monterey Peninsula >

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Rick Kennifer
Coldwell Banker Del Monte Realty
The Shops at the Lodge
P.O. Box 1111
Pebble Beach, CA. 93953
Phone: 831-626-2284
Fax: 831-622-0192
Email: Rick@Kennifer.com
Rick Kennifer is your Number One Real Estate Resource in the Pebble Beach, Monterey and Carmel areas of the Monterey Peninsula. Rick consistently achieves the "International President's Elite" award with Coldwell Banker, recognizing his sales performance in the Top 1% of Coldwell Banker's 60,000 plus agents internationally. Rick fully employs cutting-edge real estate technology, and assistants and associates who share the overriding goal of delivering superior customer service, to each of our clients, every time. Rick's Team is guided by the idea that our only purpose and our fierce loyalty is always to support and achieve our clients' best interests in buying or selling their home, and never just to "close this deal"! We would be pleased to have the opportunity to assist you with any real estate needs, questions or information you might have. Give us a call or email us if we can be of any help.

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