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Steve Williams, REALTORŽ, real estate agent and broker for Paradise, Magalia and Chico California home listings, property and land for sale - NUMBER1EXPERT(tm)

Welcome! Here You Can Find Great Information on Paradise, Magalia and Chico, California Real Estate

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Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Paradise, Magalia and Chico real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top REALTORŽ. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR REALTORŽ. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Paradise, Magalia and Chico REALTORŽ, I have the experience and track record you are looking for. Please let me help.

- The Steve Williams' Team

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School Reports in Paradise, Magalia and Chico, California

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California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Paradise, Magalia and Chico

Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Q	What is the fastest-growing state in the U.S.?
A	Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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The Steve Williams Team
Coldwell Banker Ponderosa Real Estate
7020 Skyway
Paradise, CA. 95969
530-872-5444
Fax: 530-876-8292
Email: homes@stevewilliamsteam.com

Steve began his real estate career in 1979 and has been the top Realtor on the ridge every year since 1983. For the last several years, he and his team have successfully assisted over 250 families each year with their move. Besides specializing in residential, commercial, vacant land and investment property, Steve has extensive experience in 1031 tax deferred exchanges, investment strategies, financial planning and negotiating. Steves honesty, passion for real estate and sense of humor will make your experience successful and fun! Steve and his team would be happy to assist you with your real estate needs. Thank you for visiting the Steve Williams Team websitewe look forward to meeting you!

CRB CRS Equal Housing MLS REALTOR

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