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Whenever problems arose, he was quick to resolve them and made our purchase and closing as smooth as it could be
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Welcome to Bob English'sElizabethtown, Mount Joy, Hershey and Western Lancaster County Real Estate Website

Welcome! Here You Can Find Great Information on Elizabethtown, Mount Joy, Hershey and Western Lancaster County, Pennsylvania Real Estate

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 Elizabethtown, Mount Joy, Hershey and Western Lancaster County 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 Elizabethtown, Mount Joy, Hershey and Western Lancaster County real estate agent, I have the experience and track record you are looking for. Please let me help.

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School Reports in Elizabethtown, Mount Joy, Hershey and Western Lancaster County, Pennsylvania

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Schools in Elizabethtown, Mount Joy, Hershey and Western Lancaster County

Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Bob English, REALTOR®, real estate agent and broker for Elizabethtown, Mount Joy, Hershey and Western Lancaster County, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

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Being a 12+ year veteran of the real estate business and having earned the GRI and Associate Broker designations, I pledge to give my customers and clients the very best service possible, with professionalism and integrity. Whether buying or selling in the Elizabethtown, Mt. Joy or surrounding area, let my experience go to work for you.

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