Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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Welcome!
Whether you’re buying, selling, relocating or investing in a home in the Phoenix area, you have come to the right place.  With over 20 years of experience and one of the top producing teams in Arizona, The Kepple Group can provide you with all the information you need to buy or sell real estate. Your home is one of your most valuable investments and you deserve a full-service team that understands the market and can help you achieve your dreams. Here you will find a wide variety of useful information and resources designed to help you buy or sell a home more effectively in the Phoenix area. We service Scottsdale, Phoenix, Tempe, Chandler, Mesa, the East and West Valley and other surrounding areas. On this site, you will find advice on preparing your home to sell, the steps to purchasing your first home, finding a mortgage, information about Phoenix area neighborhoods and more. You can also search for your ideal home by viewing our current listings with detailed descriptions and photos. So whether you're buying or selling, feel free to contact us and we will be happy to help you with all your real estate needs. - The Kepple Group  
Financing Your Home >The Language of Financing
When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.
You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.
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| Q |
Who is the world's richest living person?
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| A |
William H. Gates, III, Chairman of Microsoft Corporation, whose wealth was estimated at $46.6 billion in 2004.
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