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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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!

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When you visit, I'll be ready! We will visit the neighborhoods and homes that interest you the most.

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you.

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Real Estate Tips
Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

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Real Estate Trivia
Q 
What is the world's oldest wooden structure?

A 
The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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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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