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"Crista zero’s in on my needs" "Crista zero’s in on my needs as a home buyer and respects my choices without adding her own preferences." Bonnie Klotzly, Vista, CA Read Quote > View All Quotes >
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For Home Sellers:
Why Sellers Choose Crista McClure-Swan - Why home sellers in Oceanside, Vista and Carlsbad choose Crista McClure-Swan.
Free Presentation - Free in-home listings presentation on marketing your Oceanside, Vista and Carlsbad, in San Diego County California property.
Property Valuation - How much is your Oceanside, Vista and Carlsbad home worth?
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FSBO - Selling your Oceanside, Vista and Carlsbad real estate on your own?
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Financing Your Home >Your Mortgage
Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.
More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!
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| Q |
What does the term ARM stand for?
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| A |
An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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Crista McClure-Swan Realty Executives 911 Hacienda Drive Vista, CA. 92081 Phone: 760-458-0797 Fax: 760-295-2967 Licence: 01293835 Email: cristamcclureswan@NUMBER1EXPERT.com
Crista McClure-Swan is best known for her commitment to her clients and the personal relationships she establishes with them, as evidenced by the confidence and trust her clients have in her efforts. From first contact through close of escrow, Crista is always available to her clients and goes beyond her call of duty to make sure they have the best buying or selling experience possible. "If you are a buyer, whether it takes 1 day or 1 year to find you the right home, I'm committed to you and your needs and won't rush you. During escrow, I am in daily communication with my clients and take pride in the fact that my clients can feel comfortable calling me for whatever reason."
Crista backs her business and technology background and personal approach with proven performance. Crista was among the top 10% producing agents in her office in 2003. Crista has extensive buyer representative experience. Her client testimonials support her performance. As a listing agent, Crista offers extremely competitive pricing without sacrificing the full service clients require. 


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