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    Khrista Jarvis Team

    We are grateful that in 2021, we were able to help more clients with their home buying and selling needs than ever before, resulting in a record-breaking year with approximately $600 million in total sales volume, the highest ever recorded in Contra Costa County.

    As this new year begins, we are thrilled to announce that we have made an exciting move, opening our very own luxury office in partnership with Coldwell Banker, the iconic real estate company that was founded in San Francisco! As part of this partnership, we are honored to have been chosen as the first-ever Coldwell Banker Global Luxury® Lifestyle Ambassadors. Click here to review a press release about our new affiliation.

    What the last couple of years have taught us is that we must be ever changing and constantly adapting to better serve the needs of our clients. Having exclusive access to a global luxury network has never been more important than it is now and is paramount to the success of our clients.

    Cheers to a new year of beginnings!

    645 San Ramon Valley Blvd, Danville, CA 94526

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      Shop for a Loan

      How to Find a Lender

      Today, lenders can be found through a variety of sources. In addition to calling on ads in the newspaper, you can also find and apply to lenders over the internet, and through referrals from your REALTOR. We would be happy to suggest lenders we have used successfully, who have proven themselves competitive and capable even with problem properties or poor credit.

      Choosing the Right Lender

      Interview several lenders to evaluate the following:

      • Ability to explain things clearly and return your phone calls in a reasonable time period
      • Competitiveness of interest rates, costs & fees.
      • Availability of loan programs that suit your credit profile and desired property
      • Access to local loan approval committee that understands the kind of property you are buying

      Choosing the Right Kind of Loan

      Today there are so many types of loans on the market that it is beyond the scope of this page to list or explain them all. Your lender is the best person to help you select a loan program to suit your needs. Below is a summary of the three most popular loan types we see in practice; for more detailed information click the link at the end of this page.

      1. Fixed loan:The fixed rate loan assures your monthly payments will stay the same over the life of the loan, which is typically between 15 and 30 years. Fixed rate loans may be best if you intend to hold the property for a long period of time, say over 7 years.
      2. ARMs (adjustable rate mortgages): ARM’s may be suitable if you plan to sell or refinance your home within the next few years. The starting interest rate is typically lower than a fixed rate loan, saving you money initially. However, it is important to understand the index, the readjustment interval, the capitalization rate and downside risks of an ARM before making a final decision to use this type of loan.
      3. Intermediate ARMs: Also called Hybrid Loans, these loans can offer fixed interest rates for the first 3, 5, 7 or 10 years after which the interest rate adjusts with the market every 6 months or year thereafter.

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      khrista jarvis-diebner
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      925.856.0782  |  645 San Ramon Valley Blvd, Danville, CA 94526

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