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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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Buyers Want Your Home for as Little as Possible. Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision. Find Out More > View All Offers >
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"Their "calm under fire" manner..." "I would be happy to recommend Pence Hathorn Silver to friends. I have known them for over 13 years. Their "calm under fire" manner..." -Rachel Ashwell, owner of Shabby Chic Read Quote > View All Quotes >
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Santa Monica Real Estate experts, Pence, Hathorn and Silver provide you with current listings and market news for the Westside neighborhoods of Santa Monica, Pacific Palisades, and Brentwood. 
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 the top firm for Santa Monica Real Estate and 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. Most recently, Coldwell Banker awarded them the #3 Team in Greater Los Angeles (out of over 2,700 sales professionals) and the #9 Team Internationally (out of over 120,000 sales professionals) for their outstanding accomplishments in 2009. To date, they have represented, brokered or handled transactions in the excess of $2.6 billion since 1978. Pence Hathorn Silver's high level of success is due to their wide range of experience and unparalleled personal service. When four highly experienced, energetic and determined individuals form a team to achieve a goal, they accomplish more together than any one could achieve alone. Clients get quadruple the benefits, service and personal attention. It's always a "win win" situation when dealing with Pence Hathorn Silver. Visit the NEW Santa Monica Real Estate Blog! Explore our featured homes to see our homes for sale. Be sure to check back as we are constantly getting new listings. We are excited to be "Encouraging Green Living" as the Westside's Green Realtor! PHS is turning its attention to the exceedingly important issue of environmental responsibility. Explore our site to see how easy and attractive it is to go green. Buying and selling a home is one of the biggest events in your life. This site is filled with ways you can contact us for one-on-one expert help and advice. We 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.   
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What famous American sign was originally erected as a real estate ad?
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| A |
The Hollywood sign, built in 1923, was conceived as a real estate ad that originally read, "Hollywoodland." |
See More Real Estate Trivia > |
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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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