Nevada, Placer, Yuba, Sutter Counties, Nevada City, Grass Valley and Penn Valley real estate and homes for sale in California - Mimi Simmons, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 530-265-7940.

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"You and your staff made this "life event" easier than expected."
Pamela Comstock
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Testimonials
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"I thank you for finding my new place"

Dear Mimi,

After a couple of decades in my dream home the very thought of "downsizing" was daunting. But it needed to be done. I am very grateful for you professionalism, the staging input, pricing advice and marketing expertise that sold my home quickly and to the right buyer. Even more Mimi, I thank you for finding my new place that fits my needs completely and is darling! You and your staff made this "life event" easier than expected.

Thanks again.

Best Wishes for 2012, 

Pamela Comstock

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Real Estate Tips
Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

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Real Estate Trivia
Q 
What areas are known as the 'silk stocking' districts of this famous city?

A 
In Central Park West, Fifth Avenue and Park Avenue in Manhattan, apartments go for $222,610 to $282,709 per room.
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Mimi Simmons, REALTOR®, real estate agent and broker for Nevada City, Grass Valley and Penn Valley, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Mimi Simmons
ERA Cornerstone Realty Group

101 Boulder Street
Nevada City, CA 95959
530-265-7940
Fax: 530-470-0839
mimisimmons@NUMBER1EXPERT.com

When you want the very best, Mimi is your agent! 5th generation Native of Nevada County and 26 years of real estate brokerage experience, Mimi's reputation exceeds her clients' expectations. Founder of ERA Cornerstone Realty Group, Mimi's energy and enthusiasm has taken her to the ceiling of sales performance, ranking in the top 1% in Nevada County for over 12 years and in the Top 20 Brokers in the USA with ERA National, closing up to $40,000,000 annually in past years. Mimi's knowledge of homes and land gives her clients the edge in their property buying process. She is an expert in handling negotiations and contracts and has unmatched passion for real estate. She has daily knowledge of the changing industry. Her Team gives her clients the level of professionalism expected in today's highly competitive market. On top of Mimi's real estate expertise, she is extremely involved in the community. "The best real estate experience we have ever had", is a quote from a Bay Area couple. Call Mimi right now and find out for yourself at 530-362-0010.

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