Chesterfield, Wildwood and West St. Louis real estate and homes for sale in Missouri - Janice Freeman, REALTOR® Janice Freeman REALTOR(r) for Chesterfield, Wildwood and West St. Louis, Missouri real estate - NUMBER1EXPERT™ Janice Freeman NUMBER1EXPERT(tm) for Chesterfield, Wildwood and West St. Louis, Missouri real estate
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Janice Freeman, REALTORŪ, real estate agent and broker for Chesterfield, Wildwood and West St. Louis Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 636-530-4005.Licensed in Missouri since 1987!


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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 
In what real estate market are more than 90 percent of home sales cash transactions?

A 
Palm Beach, home to princes, politicians, and CEOs, has homes from 2,000 sq.ft. condos to 56,000 sq.ft. estates.
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Janice Freeman, REALTORŪ, real estate agent and broker for Chesterfield, Wildwood and West St. Louis Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Janice Freeman
Prudential Alliance, Realtors

17050 Baxter Road, Suite 200
Chesterfield, MO 63005
Direct: 636-530-4005
Toll Free: 1-800-738-0300x4005
Cell: 314-753-7852
Email: jmf@janicefreeman.com

I LOVE MY JOB! Plain and simple. I don't have a team, I work alone with excellent systems in place and a great company support staff. I love the one-on-one contact with my buyers and sellers. I've been licensed in Missouri since 1987. I've had 7 corporate moves, living on both the East Coast, the West Coast and places in between. I personally know the challenges and stress involved in moving. My goal is to give my clients the kind of service I would want to receive -- and have fun while doing it!

CRS GRI ABR ePro REALTOR MLS Equal Housing


Prudential Alliance, Realtors real estate and homes for sale in Chesterfield, Wildwood and West St. Louis Missouri

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