|
Yes! it's official. Pam will be a featured agent on HGTV's "Sleep on it" new episode Jan 1st! Call Pam: 530-642-0971.
|

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. Find Out More > View All Offers >
|
Compare three
mortgages at one time. Download TripleCalc now. It's free.
|
|
|
|
Read What People Are Saying About Me Dear Pam, Jean and I want to thank you for all of your help in finding a lot in the Placerville area. You were extremely patient with us as we changed back in forth from wanting land to wanting a house. You really knew the market like the back of your hand and were able to quickly determine what to show us and what not to. If it hadn’t been for your persistence and you taking the extra step to connect us with a builder, we would have passed on the lot that we ended up buying. We just had the lot graded and are really excited about what we are going to do with the property. We also appreciated your personal touch. Taking the time to show us your house, inviting us to the July 4th festivities at Greenstone Country and introducing us to our new neighbors really made a difference for us. We not only consider you to be a great realtor, but also a great friend. Finally, I really appreciate all of the extra work you did to help negotiate our agreement with the sellers. You showed a lot of patience in dealing with my requirements and “attention to detail”. I am quite certain that we would not have reached an agreement with the sellers with any other realtor. Thank you so much,
Ed Kaufmann The Kaufmann Family Dear Pam In all our dealings with Realtors over the past ten years, we have never met anyone as kind, helpful and energetic as you have been. Without hesitation, we would highly recommend your service to anyone who is looking for an experienced, caring Realtor who gets things done! Thanks for taking such good care of us! Bryan & Yvonne Carpenter Thank you Pam so much for taking the extra effort to make our first home purchase successful. You were there guiding us through all the crucial and important steps! The McGinnis Family  I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
Financing Your Home >The Language of Financing
When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.
You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.
|
 |
| 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.
|
See More Real Estate Trivia > |
|

 |
NUMBER1EXPERT
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.
|