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Financing Your Home >Finicky Financiers

Buying an old house to fix up has an attraction for many people. If you can find a house with charm and character, a renovation may enable you to create just the living environment that you want. You should start with a good real estate agent to help you locate the right house and recommend lenders who make both acquisition and construction loans.

Financing a renovation is perhaps the most difficult part of the whole project, especially if the house needs extensive work. Few banks will make these loans to people who are not professional developers. You should prepare for your loan application by having a written proposal. It helps to have an engineer's report or architectural plans and to include estimates from contractors covering the costs and timetables for the work to be done. Your real estate agent can help you put together a market analysis of the neighborhood to show that you will not be over-improving the property compared with other homes in the area.

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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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Betty Kerr, REALTOR®, real estate agent and broker for Palm Springs, Palm Desert, Rancho Mirage and Temecula California home listings, property and land for sale - NUMBER1EXPERT(tm)

Betty D. Kerr
Keller Williams Realty
435 North Palm Canyon Drive
Palm Springs CA 92262
Cellular: (760) 250-9326
E-Mail: BettyDKerr@GMail.com
I can handle the most complicated transaction. I work FULL-TIME at my profession. You can always reach me easily and can be assured of a quick, helpful response. You'd be hard pressured to find a REALTOR with a more enthusiastic or positive attitude. I love what I do and let it show. Having people trust me with their single largest asset is a responsibility I take very seriously. I will give you 110% because I know that my success is your satisfaction. While past results may not be the only measure of success when it comes to referring your friends and family, can you think of anything more reassuring to go by?

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