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Real Estate Resources:

• Special Offers - Special offers for La Quinta, Palm Springs and Palm Desert homeowners from Sandi Phillips.

• Affiliates - Sandi Phillips' real estate web site affiliates.

• eNewsletter - Sandi Phillips'La Quinta, Palm Springs and Palm Desert newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, California, and United States.

• Market Conditions Report - Market conditions report for this area, California, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly La Quinta, Palm Springs and Palm Desert, California mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in California or buy your own La Quinta, Palm Springs and Palm Desert house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate La Quinta, Palm Springs and Palm Desert mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other California real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Sandi Phillips anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Sandi Phillips' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Sandi Phillips' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your La Quinta, Palm Springs and Palm Desert property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find La Quinta, Palm Springs and Palm Desert Homes, For Home Buyers, For Home Sellers, La Quinta, Palm Springs and Palm Desert Information, Real Estate Resources, and About Sandi Phillips.

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Financing Your Home >If You Are Self Employed There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary. However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is the largest city square in the world? A  Located in Beijing, China, Tianamen Square, called the "Gate of Heavenly Peace", covers 98 acres. See More Real Estate Trivia >

Sandi Phillips HK Lane Real Esate 72895 Fred Waring Drive Palm Desert, CA 9260 Direct: 760-567-5506 Fax: 760-262-3053 Sandi@SandiPhillips.com Whether you are new to the market, thinking of moving up, or you are an experienced investor, Sandi has the expertise, proven track record, and resources to help you buy or sell your next home Sandi Phillips's Profile Create Your Badge www.DesertAreaLuxuryHomes.com is brought to you by Sandi Phillips NUMBER1EXPERT™ in real estate for La Quinta, Palm Springs and Palm Desert, California Read Sandi Phillips' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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