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Real Estate Resources:

• Special Offers - Special offers for El Dorado Hills, Shingle Springs and Placerville homeowners from Pam Murray.

• Affiliates - Pam Murray's real estate web site affiliates.

• eNewsletter - Pam Murray's El Dorado Hills, Shingle Springs and Placerville newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, California, and United States.

• Market Conditions Report - Market conditions report for this area, California, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly El Dorado Hills, Shingle Springs and Placerville California mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in California or buy your own El Dorado Hills, Shingle Springs and Placerville house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate El Dorado Hills, Shingle Springs and Placerville mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other California real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Pam Murray anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Pam Murray's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Pam Murray's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your El Dorado Hills, Shingle Springs and Placerville property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find El Dorado Hills, Shingle Springs and Placerville Homes, For Home Buyers, For Home Sellers, El Dorado Hills, Shingle Springs and Placerville Information, Real Estate Resources, and About Pam Murray.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in El Dorado Hills, Shingle Springs and Placerville

Tax Considerations >Taxable Profits If you are thinking of selling your home and your house has risen in value since you purchased it, or you have accumulated a lot of deferred profit from previous sales, the Taxpayer Relief Act passed in 1997 could be of tremendous value. Prior to this law, when a homeowner moved to a smaller home, relocated to a less costly area, or made a decision to rent, they were left with unfavorable tax consequences. The old tax law allowed people who sold their homes to defer tax on any profit by buying a replacement home of at least equal value within two years. At age 55, they could permanently escape tax on up to $125,000 of profit, but any profit in excess of that amount was taxable unless a new home was bought. The good news is that with homes sold after May 6, 1997, homeowners can make as much as $500,000 tax-free profits on the sale of a principal residence for joint filers or $250,000 for single filers. The $500,000 capital gains exclusion removed taxes as a consideration for most home sellers by giving them flexibility to trade up or down. It has also allowed homeowners to preserve the savings value of a home when they sell, provided they use the property as their principal residence for two of the prior five years prior to the sale. Consult your tax advisor for your particular circumstance. See All Tips In The "Tax Considerations" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What characteristics must a home have to be considered a prestigious property? A  Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person. See More Real Estate Trivia >

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. www.PamSellsHorseProperty.com is brought to you by Pam Murray NUMBER1EXPERT™ in real estate for El Dorado Hills, Shingle Springs and Placerville, California Read Pam Murray's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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