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"My trust in you was not in vain"
"I believe the timing was right for us to cross paths because it was with that timing that my dream became a reality."
Gladys M. Edwards
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Read What People Are Saying About Us 

We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us... 

"I was extremely pleased with your expertise"
"I had no idea there were so many options for first-time buyers!"

Francia Marguerite Hinriehs
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"My trust in you was not in vain"
"I believe the timing was right for us to cross paths because it was with that timing that my dream became a reality."

Gladys M. Edwards
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"Thank you again for your prefessionalism"
"It was nice to know that we had you and your staff there to handle the Realtor and the Escrow Company."

Mr. & Mrs. Michael Bonelli
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"You and your staff were very supportive..."
"This happened to come at a very difficult personal time for me and your hard work really ease my burden."

Petra J. Waller
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School Reports in Chino Hills, Chino and Rancho Cucamonga, California
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Real Estate Tips
First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Real Estate Trivia
Q 
What unique contribution did the town of Flushing, New York make to the American home?

A 
The flush toilet was invented in Flushing.
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Melvin Sheppard, REALTOR®, real estate agent and broker for Chino Hills, Chino and Rancho Cucamonga California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Melvin Sheppard Team
Century 21 King Realtors

1427- Chino Hills Parkway, Suite A
Chino Hills, CA. 91709
Direct: 909-393-3061
Fax: 909-631-3023
Email: Melvin@Ask4Mel.com

I want to help you find your perfect home, or sell your home for the best price! Find out why I am one of the top Realtors in Chino, Chino Hills, and Rancho Cucamonga - and how I've helped many people, just like you.


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