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"Cheryl and her team are the people to call"
"Cheryl, Reesa and Valda took the time to delve into our dreams and found the perfect property for us!"
Frank and Jessica Rickards
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For Home Buyers:
Why Buyers Choose Cheryl Rellstab - Why homebuyers looking for a real estate agent in the Grass Valley, Nevada City and Penn Valley area choose Cheryl Rellstab. Latest Listings - Get Cheryl Rellstab's latest Grass Valley, Nevada City and Penn Valley listings of homes for sale first! Find Your Perfect Home - Cheryl Rellstab will search for your ideal home and email you the newest Grass Valley, Nevada City and Penn Valley MLS listings of properties in Nevada County CA. First Time Homebuyers - Are you a first time homebuyer in Grass Valley, Nevada City and Penn Valley, CA? Choose a top real estate agent. Cheryl Rellstab can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Grass Valley, Nevada City and Penn Valley house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Grass Valley, Nevada City and Penn Valley Homes, For Home Buyers, For Home Sellers, Grass Valley, Nevada City and Penn Valley Information, Real Estate Resources, and About Cheryl Rellstab. 
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Financing Your Home >Your Mortgage
Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.
More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!
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What is the world's longest frontier?
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At 3,987 kilometers (3,987 miles), the border between Canada and the U.S. is the longest in the world. |
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Cheryl Rellstab
ERA Cornerstone Realty Group
101 Mill St
Grass Valley, CA 94945
Main Number: 530-274-2727
Fax: 530-274-1438
CherylRellstab@NUMBER1EXPERT.com
cheryl@cherylr.com
Cheryl Rellstab has been involved in Nevada County real estate since 1984. Her background consisted of building fine homes for clients, purchasing property & building spec houses. Cheryl believes the most important contributions she can give to her clients is to listen to their needs and advise & guide them through the process. 2004 & 2005 were record years for Cheryl w/ 40 million & 44 million in sales, consecutively. Cheryl is an owner of the Keller Williams franchise in Nevada County. She was the top individual producing agent in the Keller Williams Northern California & Hawaii Region for 2005 - 2007 out of nearly 4000 agents & received national recognition at the Keller Williams convention for her achievement for each year. Her network base allows her to keep her finger on the pulse of new development in the local real estate area. In our fast-changing market, insight into current trends gives her an advantage. This is important because in real estate as in life, timing is everything!   
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