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All agents are NOT alike! Find out why we are top real estate experts. Call us: 310-899-3527.
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three mortgages at one time. Download TripleCalc now. It's
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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You! It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request our free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. The Status Report that you'll receive by email will also include other important information that has been left out or that is available to us through our professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. Remember: As top Santa Monica, Pacific Palisades and Brentwood area real estate agents, it's our job to know more about a property than any web site. Make sure you have the most current information! 
Closing or Settlement >Escrow Rules
The lender is allowed to accumulate a borrower's payments up to a two-month advance cushion at the end of a year. But if a surplus develops beyond this amount, the borrower is now entitled to an immediate refund unless the surplus is less than $50. These rules apply to new loans.
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Charles Pence,John Hathorn,Loraine & Brett Silver Coldwell Banker Pence Hathorn Silver 1531 Montana Ave Santa Monica, CA 90403 310-899-3527 Fax: 310-458-5901 jh@phsrealty.com
Charles Pence, John Hathorn, Loraine Silver and Brett 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.
Charles Pence-Lic. #00670728
John Hathorn-Lic. #00960182
Loraine Silver-Lic. #00800114
Brett Silver- Lic. #01193551 www.PHSRealty.com
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