Fresno, Clovis and Madera real estate and homes for sale in California - The Zuber Team, REALTORS® The Zuber Team REALTORS(r) for Fresno, Clovis and Madera, California real estate - NUMBER1EXPERTS™ The Zuber Team NUMBER1EXPERTS(tm) for Fresno, Clovis and Madera, California real estate
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The Zuber Team, REALTOR®, real estate agents and broker for Fresno, Clovis and Madera California home listings, property and land for sale - NUMBER1EXPERT(tm)

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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Zuber Team, a proven Fresno, Clovis and Madera, California NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Fresno, Clovis and Madera Homes - Find Fresno, Clovis and Madera, California real estate listings & homes for sale provided by The Zuber Team, your local expert real estate agent.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from The Zuber Team, a proven Fresno, Clovis and Madera, California NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from The Zuber Team, a proven Fresno, Clovis and Madera, California NUMBER1EXPERT™ Top Selling real estate agent.

  • Fresno, Clovis and Madera Information - Find local information on Fresno, Clovis and Madera, California including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by The Zuber Team, a proven NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
First Time Buyers >Affording A Home

Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.

As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.

Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.

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Real Estate Trivia
Q 
What did 75% of 10,000 buyers surveyed by the NAR list as their top reasons for selecting a Real Estate Professional?

A 
Knowledge of the housing market, knowledge of real estate practices and financing, and familiarity with neighborhoods.
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The Zuber Team, REALTOR®, real estate agents and broker for Fresno, Clovis and Madera California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Zuber Team
London Properties

6442 N. Maroa Ave.
Fresno CA 93704-1247
559-435-4444
559-435-9999
Fax: 559-431-9999
Email: zuberteam@NUMBER1EXPERT.com

Darryl Zuber & The Zuber Team are the Fresno, Clovis & Madera area's leading full service Realtor team. The Zuber Team's success is based on a results oriented team approach. Darryl Zuber has been helping families buy and sell homes in the Fresno, Clovis & Madera area for over 35 years.

CRS Equal Housing GRI MLS REALTOR RELO


London Properties real estate and homes for sale in Fresno, Clovis and Madera California

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