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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Useful Real Estate Web Sites 

Here's a short list of some of the more useful real estate and real estate related sites on the web. When you click on any of the links below, you'll see the site you chose, along with a form at the bottom of your screen. Use it to get answers for any questions you might have about anything you find. 

Remember: It's my job to know more about real estate than any web site! 

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GOVERNMENT REAL ESTATE RESOURCES
Try the US Census Bureau, FedStats.com, or the Bureau of Labor Statistics for useful information. The HUD web site is full of resources. Don't forget Fannie Mae, Freddie Mac, or Ginnie Mae. Get home buying tips from the Federal Consumer Information Center.

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Real Estate Tips
First Time Buyers >The Seller May Pay

The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.

One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.

Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.

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Real Estate Trivia
Q 
What is a Buyer Broker?

A 
A buyer broker represents buyers, helping them to find the best property and negotiate the best purchase price and terms.
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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
2977 Ygnacio Valley Rd
Walnut Creek, Ca 94598
mobile:: 916.216.2654
office: 925.362.3140
Placerville office:: 530.642.2800
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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