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First Time Homebuyers: Tuolumne County, Calaveras County and Sonora California home buying, real estate listings, and homes for sale in Tuolumne County, CA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Tuolumne County, Calaveras County and Sonora real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Investment Real Estate >Investment Property Exchanges

When you buy an investment property, there are two important financial goals to consider. You will want a property capable of producing rental income. When you sell, you hope that the property will have appreciated enough that you will earn a good profit on your investment. If your property has enjoyed a healthy appreciation, you may need to do some careful planning to avoid paying out most of your profits in the form of capital gains taxes.

When selling your primary residence, you may be able to defer your capital gains taxes when you buy your next home. This does not apply, however, to investment property. If you sell one property then purchase another, the taxes will be due for the year the sale occurred. On the other hand, if you arrange to trade one property for another, you may be able to defer the capital gains tax.

It is not as complicated as it sounds! Many real estate agents and attorneys specialize in helping their clients put these kind of transactions together. You don't have to trade buildings with the people buying your property. The property you trade may belong to a third party, and your buyers need only cooperate with the closing attorney to make the transaction work.

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Q	What place is known as "America's Stonehenge"?
A	A 4,000 year-old stone constructed megalithic site located on Mystery Hill in Salem, Massachusetts.
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Melissa Oliver and The O Team, REALTORŽ, real estate agents and broker for Tuolumne County, Calaveras County and Sonora California home listings, property and land for sale - NUMBER1EXPERT(tm)

Melissa Oliver and The O Team
PMZ Real Estate
14570 Mono Way Suite F
Sonora, CA 95370
Office: 209-694-8781
Melissa's Cell: 209-559-0682
Email: melissao@melissao.com
Melissa Oliver and The O Team bring you several years of qualified experience in the Sierra Foothills of Tuolumne and Calaveras Counties. Melissa Oliver, Broker Associate, is a Certified Residential SpecialistŽ, one of the highest designated certifications offered by the National Association of Realtors. She also holds a GRI (Graduate Realtor Institute) to better help her client's in all areas of their transactions. Recently she received the newest National Association of Realtors designation Short Sale and Foreclosure Resource(SFR). Don't just hire any agent. Hire the team that cares about you and wants to make your home buying or selling experience one you will remember. Melissa and her team have expertise in residential, land, ranches, vacation, second home and 1031 exchange properties. DRE 01330471

www.melissao.com is brought to you by Melissa Oliver and The O Team
NUMBER1EXPERTS™ in real estate for Tuolumne County, Calaveras County and Sonora, California

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