Santa Monica, Pacific Palisades and Brentwood, California Real Estate Agent - About Pence Hathorn Silver

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Welcome > Agent Info > Westside Green Realtors ...

Encouraging Green Living with Pence Hathorn Silver.

Pence Hathorn Silver, the Westside's premiere real estate team, is "going green." Having achieved unprecedented success with over $2 billion in residential sales over the past decade, PHS is now turning its attention to the exceedingly important issue of environment responsibility. Realizing that it is possible to effect a change using its position in the marketplace, PHS is collaborating with residential developers on building and selling eco-friendly homes in the upper-end market. As environmental soundness becomes more pressing, buyers are receptive to this mentality and are eager for the opportunity to act accordingly. Environmentally conscious individuals will now have the choice to "buy green."

Many buyers hearing of the concept of a "green house" think that the home will either be too expensive or too "earthy" for their tastes. Although the up-front costs of an eco-friendly home may be slightly higher than the cost of a non-eco-friendly home, the savings ultimately achieved by having an environmentally efficient home far exceeds the incremental increase in up-front costs. When a buyer considers these economic benefits, in addition to the benefits of providing a safe and practical future, the decision becomes clear. As far as the "look and feel" of the homes, the vendors working with PHS on these project are highly respected developers, architects, contractors, builders and designers.

The Leadership in Energy and Environmental Design (LEED) Green Building Rating System is the nationally accepted benchmark for the design, construction, and operation of high performance green buildings. LEED certified homes, the first of which will be ready for viewing and on the market by September 2007, will not only be highly functional, but incredibly beautiful and current.

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Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	Over what famous building is aircraft forbidden to fly at any time?
A	No aircraft is permitted to fly over the Taj Mahal in India.
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Pence Hathorn Silver, REALTOR®, real estate agents and broker for Santa Monica, Pacific Palisades and Brentwood, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Charles Pence, Loraine Silver and John Hathorn
Coldwell Banker Pence Hathorn Silver
1531 Montana Ave
Santa Monica, CA 90403
310-899-3527
jh@phsrealty.com
Charles Pence, John Hathorn and Loraine Silver have served the Westside for over 30 years and have over 60 years of combined experience. They are in the Top 1% of all real estate agents nationwide garnering various Coldwell Banker awards such as the Top 100, International Presidents’ Elite and Society of Excellence awards. To date, they have represented, brokered or handled transactions in excess of $2.6 billion since 1978.

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