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Welcome! Here You Can Find Great Information about Real Estate in Torrance, Redondo Beach, Hermosa Beach and all the wonderful cities in the South Bay & the Westside!

Looking for homes? This site gives you access to all the homes available in the South Bay and Westside.

Do you have questions about local Real Estate? This site allows you to check out the schools, shopping, dining, parks and much, much more.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine!This site allows you to contact me easily and get the answers you need! That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. All I ask is that you be my guest! Why? I want to be YOUR real estate agent for life. As your trusted, professional real estate partner, I will help you find a great home in the best neighborhood at the right price! And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top real estate agent, I have the experience and track record you are looking for. Please let me help.

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Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Q	Into what category do forty-four percent of home buying households fall?
A	Forty-four percent of home-buying households are made up of married couples with dependents.
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Mitch Graves, REALTOR®, real estate agent and broker for Torrance, Redondo Beach and Hermosa Beach, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Mitch Graves
Century 21 Union Realty
23900 Hawthorne Blvd Suite 200
Torrance, CA 90505
310-749-1435
Fax: 310-793-3307
MitchGraves@NUMBER1EXPERT.com

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