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outstanding service you provided us
I were so pleased that I had a signed deal in less than 10 days from the day our condo was put on the market.
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Darryl Cherniss is one of The Top Selling Real Estate Experts™
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Green Building Guidelines
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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Darryl Cherniss, a proven Los Angeles, Beverly Hills and Venice, California NUMBER1EXPERT™ Top Selling real estate agent.
Find Los Angeles, Beverly Hills and Venice Homes - Find Los Angeles, Beverly Hills and Venice, California real estate listings & homes for sale provided by Darryl Cherniss, your local expert real estate agent. Green homes, luxury foreclosures.
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Los Angeles, Beverly Hills and Venice Information - Find local information on Los Angeles, Beverly Hills and Venice, California including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Darryl Cherniss, a proven NUMBER1EXPERT™ Top Selling real estate agent.
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School Reports in Los Angeles, Beverly Hills and Venice, California

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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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Q	What is the world's longest frontier?
A	At 3,987 kilometers (3,987 miles), the border between Canada and the U.S. is the longest in the world.
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Darryl Cherniss, REALTOR®, real estate agent and broker for Los Angeles, Beverly Hills and Venice, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Darryl Cherniss
Cherniss Group
Keller Williams Realty
439 N. Canon Drive, Penthouse
Beverly Hills, CA 90210
Direct: 877-229-0094
Fax: 310-432-6401
Mobile: 310-614-6106
AIM/Skype: ChernissGroup
Email: info@chernissgroup.com
Not all agents are created equal. You will see difference and results with my experience combined with my talented team of agents at the Cherniss Group. We strive in service and professionalism. We look forward to working with you.

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