Malvern and Paoli real estate and homes for sale in Pennsylvania - William McGarrigle, REALTOR® William McGarrigle REALTOR(r) for Malvern and Paoli, Pennsylvania real estate - NUMBER1EXPERT™ William McGarrigle NUMBER1EXPERT(tm) for Malvern and Paoli, Pennsylvania real estate
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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 610-640-9329.


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First Time Homebuyers: Malvern and Paoli Pennsylvania home buying, real estate listings, and homes for sale in Chester                        County, PA
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Malvern, West Chester, Exton, Devon, Berwyn, and Paoli real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What was considered the world's tallest building one hundred years ago?

A 
The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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William McGarrigle, REALTORŪ, real estate agent and broker for Malvern and Paoli Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

William McGarrigle
RE/MAX Main Line Realtors

49 E. Lancaster Ave.
Paoli, PA. 19301
610-640-9300
610-640-9329
Fax: 610-640-9322
Email: bill@billsells.com

Experience is the Difference! I have been transacting Real Estate in the Malvern, West Chester, Exton, Devon, Berwyn, and Paoli area since 1985. Currently I live in Malvern Borough with my wife and three children after growing up in Willistown Township. Last year alone, sales in my market area of Malvern, West Chester, Exton, Devon, Berwyn, and Paoli, topped forty houses. Of course, I would be happy to provide you with a complete list of the houses that I have sold. I sincerely believe you will find my life experience in our area to be a valuable asset when marketing your home.


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