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Terrence Jue, REALTORŽ, real estate agent and broker for Berkeley, Albany and El Cerrito California home listings, property and land for sale - NUMBER1EXPERT(tm)

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Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Berkeley, Albany and El Cerrito real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. 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. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. 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 Berkeley, Albany and El Cerrito 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 >Balloon Mortgages

In loan terminology a "balloon" is the unpaid loan balance that must be paid in full on a specified due date. Federal savings and loan associations are permitted to make balloon mortgages with as little as five percent down and monthly payments that are smaller than the amount needed to fully amortize the debt. On the due date, which may be only a few years after the loan was made, the balance must be paid off or the loan must be renegotiated. Balloon borrowers must be cautious and plan carefully to avoid overlooking balloon payment obligations. It is easy to be lulled into complacency by the easy monthly payment terms.

Today's complex economics have produced a wide variety of options for potential borrowers, who are often surprised by how much house they can afford to buy. Loan approval is ultimately in the lender's hands, but your real estate agent can help you to determine your real buying power.

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Q	What are three of the best indicators of real estate market trends?
A	Existing home sales, new home building and mortgage interest rates.
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Terrence Jue
Prudential California Realty
2095 Rose St.
Berkeley, CA. 94709
Office: 510 868-1471
Cell: 510 295-8836
Fax: 510 540-9957
Email: Terrence@TerrenceJue.com

Meet Terrence Jue, an exceptional East Bay Real Estate Professional, Terrence came to Mason-McDuffie honored as Agent of the Year for 1987 1991 in recognition of his outstanding service to clients, and his continued high sales achievement. Since then at Mason-McDuffie/ Prudential California Realty he has received many outstanding honors. Both sellers and buyers love Terrences energetic, First-Class service. Clients respect him as a conscientious hard worker who really cares. They call him extremely honest and ethical. One of his clients wrote to say, Terry has destroyed all our misconceptions about Realtors. His Broker says, He is a true professional. Terry always come through! With a 16-year background of architecture and construction, Terrence is expertly qualified to provide clients with valuable insights about properties. To buyers and sellers he offers a free professional consultation on how to improve the value of a home. Terrences strategy is to educate his clients so they understand the local real estate market and can recognize a good or great deal when they see one. Choose your agent carefully! If you are seeking a real estate agent to represent you, call Terrence now. Meet him and evaluate his knowledge, abilities, personality, and style. Youll discover for yourself why Terrence is so highly regarded by his many satisfied clients. For Personalized service from a Personal Agent.

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