Tuolumne County, Sonora and Twain Harte real estate and homes for sale in California - Melissa Oliver and The O Team, REALTORS® Melissa Oliver and The O Team REALTORS(r) for Tuolumne County, Sonora and Twain Harte, California real estate - NUMBER1EXPERTS™ Melissa Oliver and The O Team NUMBER1EXPERTS(tm) for Tuolumne County, Sonora and Twain Harte, California real estate
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Melissa Oliver and The O Team, REALTOR®, real estate agents and broker for Tuolumne County, Sonora and Twain Harte California home listings, property and land for sale - NUMBER1EXPERT(tm)

All agents are NOT alike! Find out why we are top real estate experts. Call us: Office:(209) 694-8781 Cellular: (209) 559-0682/(209) 352-3540

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First Time Homebuyers: Tuolumne County, Sonora and Twain Harte 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, Sonora and Twain Harte 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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Real Estate Tips
Insurance >Do You Need Mortgage Protection

If you have a mortgage on your home, you may have received several offers from insurance companies that sell coverage to pay off your mortgage in the event you die unexpectedly. Although insurance in general is a good idea, mortgage insurance is usually a poor value in most cases.

If you read the large print, it appears that the policy will protect your family if you die before your mortgage is paid off. All you have to do is fill out the paperwork, have a physical exam, and pay a little more each month. The fine print, however, may limit the coverage relating to accidental death. If there are two people on the deed of trust, the policy may pay only half if one of them dies.

When considering mortgage insurance, call a good insurance agent before you send in your forms. Insurance experts usually advise against separate policies to cover various contingencies. A regular term life insurance policy equal to the amount of your mortgage will probably offer you a lot more coverage for your money.

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Real Estate Trivia
Q 
How did actress Jayne Mansfield decorate her Hollywood "Pink Palace" without buying any furniture?

A 
She wrote to furniture suppliers asking for free samples, telling them they could brag that their furniture was in her outrageous mansion. She received over $150,000 worth of free merchandise.
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Melissa Oliver and The O Team, REALTOR®, real estate agents and broker for Tuolumne County, Sonora and Twain Harte California home listings, property and land for sale - NUMBER1EXPERT(tm)

Melissa Oliver and The O Team
PMZ Real Estate

424 South Washington Street
Sonora, CA 95370
Office Telephone: 209-694-8781
Melissa's Cell: 209-559-0682
Team Line: 209--352-3540
Team Line: 209-352-3240
Fax: 866-257-5645
Email: melissao@melissao.com

Melissa Oliver and The O Team bring you several years of qualified experience in the Sierra Foothills of Tuolumne County. Melissa Oliver, Broker Associate, is a Certified Residential Specialist®, one of the highest designated certifications offered by the National Association of Realtors. She also holds a GRI (Graduate Realtor Institute) and the RRS (Resort and Recreation Designation) to better help her client's in all areas of their transactions. She specializes in the Tuolumne County area and also services the Calaveras County area. Melissa has expertise in residential, land, ranches, vacation, second home and 1031 exchange properties.

CRSGRIREALTORMLSEqual Housing


PMZ Realty and homes for sale in Tuolumne County, Sonora and Twain Harte California

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