Jay has been a dedicated full-time Realtor for 18 years and ranks in the top 1% of Realtors nationwide. He relocated from California to Montgomery County in 1971. Having lived here for over 32 years, he knows Montgomery County. Jay is known for his upbeat personality, a "can do" attitude and thrives by providing a high level of service for his clients. Jay and his wife, Kelly, along with their three children live in Potomac, Maryland. When he is not working he spends his time on family activities, coaching kids, and involvement with his local church. Jay would love to hear from you to explore any real estate needs you might have. Please Sign Up For The Latest Listings and the Latest Real Estate News
Financing Your Home >Happy Banking
When you have found the perfect home, the search for the perfect loan begins. There are other factors you should consider besides the interest rate and loan fees when you are shopping for a loan. One important issue is the lender's general reputation.
A professional real estate agent can provide you with the names of several mortgage lenders and can help you compare their programs. Some lenders may have great rates, but may have very conservative standards for qualifying customers. Others may be more willing to consider people who are marginally qualified or have less-than-perfect credit histories. Some lenders have local underwriters and can process loans quickly, while others may need extra time to process paperwork. The ordinary consumer deals with only a few mortgage lenders over a lifetime, but real estate agents deal with many lenders every month. Ask your agent to help you match your individual needs to the many offerings in this complicated marketplace.
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| Q |
Why is the Terra Amata site in Nice, France famous?
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| A |
Remains of 21 huts found in 1965 are thought to be the oldest known habitation from the Acheulian culture 400,000 years ago.
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