Kingman, Bullhead City and Lake Havasu City real estate and homes for sale in Arizona - West USA Realty Warring & Associates, REALTORS® West USA Realty Warring & Associates REALTORS(r) for Kingman, Bullhead City and Lake Havasu City, Arizona real estate - NUMBER1EXPERTS™ West USA Realty Warring & Associates NUMBER1EXPERTS(tm) for Kingman, Bullhead City and Lake Havasu City, Arizona real estate

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Living in the Kingman Arizona area for over 35 years, with 17 years in Kingman, Lake Havasu City, & Bullhead City real estate, I know the communities


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From Our Affiliates: Kingman, Bullhead City and Lake Havasu City Arizona home buying, real estate listings, and homes for sale in Mohave                         County, AZ
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Bullhead City Arizona Real Estate Agent
Bullhead City AZ Real Estate Buying Tips
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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What Las Vegas hotel is famous for its casinos and is the largest hotel in the US.?

A 
With 5,012 rooms, the MGM Grand Casino is considered the largest hotel in the US.
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West USA Realty Warring & Associates, REALTOR®, real estate agents and broker for Kingman, Bullhead City and Lake Havasu City Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Lori Warring
West USA Realty Warring & Associates

510 E. Beale Street
Kingman, AZ 86401
Office: 928 692 9872
Toll Free: 800 241-8623
Cell: 928 303 1205
Fax: 928 753-8911
Email: LoriWarring@NUMBER1EXPERT.com

Why West USA Realty? Because our goal is to serve the client – and, with our state-of-the-art systems, our service soars above the competition. First, our listing system provides our agents with Kingman, Lake Havasu City, and Bullhead City real estate listings other agencies don’t have. Then, our automated call coordinating system routes calls directly to each agent, or messages their e-mail directly, for pickup wherever they are. We are the only office open 7 days a week, until 7 pm weekdays, for your convenience. Our hiring process is rigorous, and our agents are highly trained, with specialties in relocation, investments, special needs, vacant land, etc. We attend regular meetings to keep abreast of Kingman area real estate developments. And, after serving each client, we have checklists and surveys to make sure their needs have been met. “Quality Service” is a cliché nowadays – we don’t use the term in our advertising, because our extremely high approval rating proves it every day!

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West USA Realty-Warring & Associates real estate and homes for sale in Kingman, Bullhead City and Lake Havasu City Arizona

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