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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 805-304-3634.


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"Robin dedicated herself to seeing it sell."
The entire buying and selling experience was highlighted by the excellent, hard work of my realtor, Robin Karcich.
Karen Mauran, Simi Valley
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School Reports in Simi Valley, Big Sky and Ventura County, California
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Real Estate Tips
First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Real Estate Trivia
Q 
What holds the title as the tallest reinforced concrete building in the U.S.?

A 
311 South Wacker Drive in Chicago was completed in 1990 and is 65 stories high.
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Robin Karcich, REALTOR®, real estate agent and broker for Simi Valley, Big Sky and Ventura County, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Robin Karcich
Troop Real Estate

1308 Madera Road Suite # 2
Simi Valley, CA 93065
(805) 304-3634
Fax: (805) 426-0943
RobinKarcich@NUMBER1EXPERT.com


My Client-First Philosophy

There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.

That said, in my experience as a Simi Valley, Big Sky and Ventura County real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.

This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients. So when you decide that you'd like to buy or sell a home in the Simi Valley areas, please contact me.

Simi Valley Moorpark Association of Realtor Presents Robin with an award for Chairing the Habitat For Humanity Committee.

am very active with Habitat for Humanity and diligently have worked to raise money for this charitable cause. I was very proud to have helped raise over $50,000 for this wonderful cause and to have met some of the families that will own these home being built on Royal Ave in Simi Valley. I look forward to seeing everyone out there when the build will take place in a few months. I work hard for my clients to ensure that they have a smooth transaction and feel comfortable with each phase of their real estate experience. Please contact me if you have any questions, I can be reached at 304-3634


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