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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Thanks again for all your efforts in our behalf!
Just wanted to let you know we are having a ball with the cabin!
Mary Jean and Bill Roeber
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Melissa Oliver and The O Team are some of The Top Selling Real Estate Experts™
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Testimonials: Tuolumne County, Calaveras County and Sonora California home buying, real estate listings, and homes for sale in Tuolumne County, CA
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Read What People Are Saying About Us 

We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us... 

"Couldn't Have Done It Without You!"
"Couldn't Have Done It Without You!"

"Rob Flynn & Kari Faughnan"
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"Hard Work"
"Thanks for your hard work"

"Cindy and Ted Shively"
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"the best experience '
"the best experience I have ever had in the sale of a property"

"submitted by Jack E George"
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Over and Above!
"Thank you, Melissa and The O Team!

Stan and Jan Petrik
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Terrific job
"You guys did a terrific job with your service and follow up.

Christian Scheder
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Thanks again for all your efforts in our behalf!
Just wanted to let you know we are having a ball with the cabin!

Mary Jean and Bill Roeber
Read Complete Quote >


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Real Estate Tips
Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

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Real Estate Trivia
Q 
What famous American Lady has an arm length of 42 feet?

A 
The Statue of Liberty
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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
Melissa's Cell: 209-559-0682
Camie's Cell: 209-559-1331
Michelle's Cell: 209-770-4583
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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