Serving Long Beach and the Greater Long Beach Areas
(562) 431-2095
RichardHiers@RichardHiers.com
License ID Number 01216725

5150 East Pacific Coast Hwy #450
Long Beach CA 90804


                      Please click the links below to view a complete transcript of articles we have written and published in our local newspaper, the PressTelegram. If questions should come to mind as you read the articles, please feel free to e-mail us by clicking the E-Mail button in the banner above.
                    • Home-Buying Course, Part 1: The Multiple Benefits of Homeownership
                      • Owning a home offers significant financial and personal advantages. Homeownership works as a wealth-building investment, a tax shelter, a savings opportunity, and a source of personal satisfaction for millions of Americans.
                    • Home-Buying Course, Part 2: How Much Home You Can Afford
                      • How much a potential homeowner can afford has a lot more to do with monthly household income and current debt than it does with the amount of savings on hand.
                    • Home-Buying Course, Part 3: Cash Requirements and How to Find Enough
                      • Buyers can use a large down payment or a zero down payment, and they can pay all of their own closing costs or ask the seller to pay part of their closing costs for them.
                    • Home-Buying Course, Part 4: Working With A Buyer's Agent
                      • A home purchase is the largest and most complex financial transaction that most people ever undertake. Exclusive professional representation exists to protect your interests during negotiations and the course of escrow.
                    • Home-Buying Course, Part 5: Credit Scores and Loan Pre-Approval
                      • For most people, The single most important step in a home purchase is to explore home loan options and arrange for the lowest possible interest rate. Shopping for a home loan is a fundamental step toward home ownership.
                    • Home-Buying Course, Part 6: Finding The Best Loan Program
                      • There are literally hundreds of loan programs available, from the mainstream 30-year fixed to the highly creative. It pays to shop around for the best deal that meets your circumstances.
                    • Home-Buying Course, Part 7: Strategies For Finding The Right Home
                      • It's time to consider what you're really looking for, because not just any home will do. Some suggested approaches can help to ensure the quality of living you have worked so hard to achieve.
                    • Home-Buying Course, Part 8: Negotiating the Conditions of Your Purchase
                      • Once you've found the home you want, emotions and expectations can run high. But now it's time to negotiate the price and other conditions of the purchase, and this is best done with a cool head.
                    • Home-Buying Course, Part 9: Closing Escrow & Getting Your Keys
                      • Escrow is a mysterious entity to many people, especially first-time buyers. Simply stated, escrow is a licensed, bonded, and neutral third party that ensures all elements of the offer to purchase have been carried out before title is transferred from the
                    • Home-Buying Course, Part 10: The Monetary Benefits Of Owning A Home
                      • Two of the most compelling reasons people chose to own real estate are equity growth and tax reduction. Individuals who own an appreciating asset that also slashes their tax bill can build wealth quickly.
                       
                       
                       
                      Apptech Services