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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Pence Hathorn Silver, a proven Santa Monica, Pacific Palisades and Brentwood, California NUMBER1EXPERT™ Top Selling real estate agents.

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  • About Pence Hathorn Silver - Information about Pence Hathorn Silver including testimonials, guarantees, credentials, and contact information. Learn why Pence Hathorn Silver is a proven Santa Monica, Pacific Palisades and Brentwood, California NUMBER1EXPERT™ Top Selling real estate agents.

 

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Real Estate Tips
Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

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Real Estate Trivia
Q 
What famous American sign was originally erected as a real estate ad?

A 
The Hollywood sign, built in 1923, was conceived as a real estate ad that originally read, "Hollywoodland."
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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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