El Dorado Hills, Placerville, Shingle Springs, Pleasanton, Clayton and Danville real estate and homes for sale in California, Horse Property, El Dorado, Placer, Sacramento and Amador County Horse and Ranch Properties, Equestrian Communities - Pam Murray, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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Equestrian Communities


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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Pam Murray is one of The Top Selling Real Estate Experts™
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Get Free Presentation On My Home Marketing.

Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed. There is a vast range in skills, experience, and track records!

A "Listing Presentation" is an industry term for the formal presentation that a real estate agent makes to prospective home sellers, trying to earn their trust and business. Don't list your home with a real estate agent without it! I would love the opportunity to make such a presentation to you.

I'll visit your home, and together we will walk through it, considering the positives and negatives (if any!). You will then see exactly how I would propose to sell your home, for as much as the market will bear, and within your time frame. I will tell you where I will advertise your home, both in print and on the web. With the dramatic growth in homebuyer usage of the web, you MUST have a top real estate agent that can extensively market your home online!

And you'll find out what your home is worth, too, because part of my presentation will include a CMA (Comparative Market Analysis) of your home. I'll compare your home to others like it that have recently sold, and also to others that are currently for sale. This is a very important way of determining the fair market value of your home.

I make free presentations and prepare CMAs for prospective home sellers every day. I've literally done hundreds, and I know exactly what puts a big SOLD sign in your front yard.

I'd love the chance to make a presentation for you. It is totally free and without any obligation. Call me! Or fill out this form and I will get back to you quickly... 

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School Reports in El Dorado Hills, Shingle Springs and Placerville, California
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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 do 84% of homebuyers who use the Internet to search for homes have in common?

A 
They use a real estate agent to purchase their home.
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Pam Murray, REALTOR®, real estate agent and broker for El Dorado Hills, Shingle Springs and Placerville California home listings, property and land for sale - NUMBER1EXPERT(tm)

Pam Murray
Broker/Owner

Equus Real Estate Inc
office: (925)362-3140
cell: (916) 216-2654
fax: (916) 404-0405
PamMurray@earthlink.net

Pam Murray is a real estate professional as well as an avid equestrian. Focusing on equestrian real estate allows her to utilize her professional experience and her lifetime love of horses. Pam keeps up to date on available properties through all the mainstream real estate channels as well as in the equestrian marketplace. Her marketing efforts are targeted to exclusive publications, direct mail campaigns and networking to find the right property or the right buyer. Pam and her family have lived in El Dorado County since 1986. She is an active member in the community, local horse clubs and is a volunteer with the California Conservation Trail Patrol. Pam has recently ( September 2009) open a second Equus Real Estate Inc office in Pleasanton California.

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