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All agents are NOT alike! Find out why we are top real estate experts. Call us: 760-390-2201.
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"They found the perfect house for us."
Linda and Brian helped my wife and me purchase our first house together.
"Kurt Mayrand, VP Sales and Marketing"
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Brian and Linda Josef are two of
The Top Selling Real Estate Experts™
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Let Us Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As top Fallbrook, Bonsall and Oceanside REALTORS®, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market. We have direct access to the Fallbrook, Bonsall and Oceanside area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give us some idea of what you are looking for, we will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers. And remember, call us, or e-mail us when you want to see anything!  Tell us what you are looking for! It's our job to know every property in Fallbrook, Bonsall and Oceanside, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...
First Time Buyers >More Down Payment Help
One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.
Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.
With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.
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| Q |
What is the world's largest palace?
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| A |
The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s. |
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- NUMBER1EXPERTS™ 
