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

Office:(209)694-8781 Cell:(209) 559-0682


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Mortgage Prequalification: Tuolumne County, Calaveras County and Sonora California home buying, real estate listings, and homes for sale in Tuolumne County, CA
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Tuolumne County, Calaveras County and Sonora real estate agents to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
First Time Buyers >Bargaining

You have done everything that your agent recommended to make your home look wonderful and you have cut your asking price to the bone. Even so, an offer comes in which is so low that you are offended! Is it possible to reconcile your differences and reach a meeting of the minds when presented with such an offer?

It may not take many concessions on your part to make the transaction work if the people who love your house also love to bargain. Even though it may seem that you are far apart in dollar amount or terms of sale, the real distance may not be all that great. Your real estate agent can help you determine if the buyers are ready, willing and able to carry through with the transaction. If they are qualified, the next step involves evaluating your differences. Look for areas where you have some flexibility to negotiate. You may have to go back and forth several times in order to make the transaction work. The trick is to be patient and to not take the process personally!

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Real Estate Trivia
Q 
Where was the famous final airport scene in the 1942 classic "Casablanca" filmed?

A 
The scene where Humphrey Bogart says goodbye to Ingrid Bergman was actually shot on the east side of the Van Nuys Airport.
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Melissa Oliver and The O Team, REALTOR®, 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 Specialist®, 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

CRS GRI REALTOR MLS Equal Housing


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

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