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	ARMs
	Assuming a Mortgage
	Balloon Mortgages
	Bridge Loans
	Buying Cooperatively
	Choosing A Lender
	Convertible ARMs
	Credit Card Mania
	Early Loan Approval
	FHA Advisory
	Financial Help
	Financially Qualified
	Financing Clauses
	Financing Contingencies
	Finding A Loan
	Finicky Financiers
	Good Faith Estimates
	Happy Banking
	Home Buyers Education
	Home Free
	Hybrids Offer Low Rates
	If You Are Self Employed
	Lenders Want to Say Yes

	More Down Payment Help
	More On ARMs
	Mortgage Fears
	Mortgage Myths
	Mortgage Terms
	New Loans
	Owner Financing
	Qualifying For A Loan
	Qualifying Guidelines
	Refinancing Your Home
	Shopping for the Best
	The Language of Financing
	The Loan Application
	The Margin on an ARM
	The Mortgage Shop
	The Real Bottom Line
	The Seller May Pay
	They Said Yes
	Watch Your ARMs Length
	When Interest Rates Rise
	Who Pays the Points
	Your Financial Cushion
	Your Mortgage

Do These Real Estate Tips Really Apply to YOU?

We've learned these tips through years of experience as top real estate agents. But we know that YOUR situation might be different. That's why we're here.

It's our job to personally advise homebuyers and sellers. Ask us if any tip that we've included here really applies to your situation.

Do any of these tips raise questions for you? Didn't find what you're looking for? Let us know! We am happy to answer ANY questions. It's our job! There's no obligation, and we promise to get back to you quickly...

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Q	What group of settlers introduced the log cabin to the New World?
A	The Swedish settlers of Delaware brought their own timber for building log cabins, a style that originated in Finland.
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The Hardas Team, REALTOR®, real estate agent and broker for Highland, Edwardsville, Troy and Collinsville, Illinois home listings, property and land for sale - NUMBER1EXPERT

The Hardas Team
Coldwell Banker Brown Realtors
2621 Plaza Drive
Highland, IL 62249
Phil Hardas: 618-789-5863
Jason Hardas: 618-670-8009
Lori Novosel: 618-301-0103
Fax : 618-654-4360
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