Point Loma, Pacific Beach and North Park real estate and homes for sale in California, downtown metro properties, luxury estates - Tracie Kersten and Ryan Mathys, REALTORS® Tracie Kersten and Ryan Mathys REALTORS(r) for Point Loma, Pacific Beach and North Park, California real estate, downtown metro properties, luxury estates - NUMBER1EXPERTS™ Tracie Kersten and Ryan Mathys NUMBER1EXPERTS(tm) for Point Loma, Pacific Beach and North Park, California real estate, downtown metro properties, luxury estates
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What Is A Home Warranty?: Point Loma, Pacific Beach and North Park California home buying, real estate listings, and homes for sale in San Diego County, CA
Welcome > For Buyers > What Is A Home Warranty? ...


A home is the single largest investment that most people will ever make, and the last thing that any new home owner wants to deal with are costly repairs or replacement of complex or aging systems. 

We highly recommend Fidelity National Home Warranty. FNHW helps manage and protect your home expenses – beyond the provisions of standard homeowner's insurance policies - with a one-year Standard and Comprehensive Plus home protection plan that covers major systems and appliances. Whether you are a first time home buyer, seller or existing homeowner, a home warranty is a very affordable way to preserve peace of mind and to protect your most valuable asset! It is the type of investment that pays for itself … there is simply no substitute!  

Fidelity National Home Warranty is dedicated to providing more than the customer expects!
Let’s face it – all home warranty companies offer similar coverage, at a similar cost. What you won’t find everywhere is a proven commitment to personalized customer service. With Fidelity National Home Warranty, you can count on: 

*Service representatives who are trained to help solve your problems over the phone, if possible
*Local, licensed, insured, dependable and pre-screened technicians
*Guaranteed service work – without an additional service fee (30 days labor/90 days parts)
*Continuous and consistent customer service training
*Proactive monitoring of appointments and repair status through our automated tracking system - an innovation in the industry – in order to resolve any service issues that may arise, and an excellent service track record that speaks for itself!  

They consistently deliver value to our customers.
With Fidelity National Home Warranty, you will consistently receive quality coverage, professional home repairs, and timely, courteous customer service. If they can’t repair it, they will replace it. So settle in and enjoy your home… knowing that your major mechanical systems, plumbing and appliances are covered by a Fidelity National Home Warranty contract.  

RELAX, we’ve got you covered! 

“Most people don’t really give their home warranty much thought until they need it, but then it can be a real lifesaver.” 

For a copy of the warranty plan, register below. 

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Register below for a Sample Home Warranty Policy

Are you interested in receiving a sample home warranty policy?
For free copy of a policy, please register below.

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Real Estate Tips
Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Where in the United States will you find the largest concentration of million-dollar homes?

A 
There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
See More Real Estate Trivia >



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Tracie Kersten and Ryan Mathys, REALTOR®, real estate agents and broker for Point Loma, Pacific Beach and North Park California home listings, property and land for sale - NUMBER1EXPERT(tm)

Tracie Kersten and Ryan Mathys
Profund Financial and Real Estate

7777 Fay Ave #G4
La Jolla CA 92037
Ryan Cell: (858) 405-4004
Tracie Cell : (619) 886-5294
Fax: (619) 374-2426
Ryan Email: ryan@profundrealestate.com
Tracie Email: tracie@profundrealestate.com

As the founders of ProFund Financial & Real Estate, we are able to offer a unique service and value to our clients by representing them in buying or selling their home as well as providing an extensive choice of financing options. This allows us to offer our clients a full service package that can be worth thousands of dollars in savings. We take a big picture approach to helping our clients over a lifetime, not just the transaction. We do this by educating clients about real estate and financing, communicating throughout the transaction and following up long after it is completed. We believe that everyone deserves GREAT representation and service. The right team can make all the difference, just ask our clients. Company DRE License #01524357 Tracie Kersten: #01137669 Ryan Mathys: #01361941

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