Deal of the Week – Wexford Luxury Home for Under $850,000!

This Wexford home is priced to sell.

Listed for $837,000

This home won’t last at this price!

Don’t pass up this opportunity to move into the Prestigious Wexford Community listed for just $837,000. You could call 9608 Wexford Circle in Granite Bay home! Don’t miss out on this opportunity. The prices are bound to move upward. Get into Wexford at this low price–that you can afford–then do the upgrades as your budget allows. Your upgrades will only enhance this home and increase its value.

Call me today for your private showing 916.865.8759

Let’s make an offer on this Wexford home. At $837,000 (or below) you can get into this home. There is so much potential with this floor plan. The current features:

  • Master Bedroom on the ground floor
  • Additional bedroom and bathroom on the ground floor
  • Large Kitchen area with lots of potential
  • Over half acre lot
  • Abundance of storage space
  • Guard gated neighborhood
  • Community tennis courts
  • Wexford backs up to Granite Bay Country Club and Golf Course
  • Over 4,800 square feet
  • Inviting floor plan for entertaining and comfortable living

The potential for this Wexford home is endless

  • Design your own custom pool
  • Design your own gourmet kitchen

I would love to discuss with you the many potentials this home has.

Your Granite Bay Coldwell Banker Realtor®,
Pam McCoy

Home Loan Interest Rates Went up Slightly | Lender Report, March, 2012

Interest Rates were up and down last week.

The question is…Will interest rates continue to climb over the year?

If you are looking to buy or sell a home in Folsom, Granite Bay, Roseville or the surrounding areas, I would be happy to assist you. Please give me a call at 916.865.8759.

Your Coldwell Banker Realtor®,
Pam McCoy

Why Coldwell Banker – The Leader

Coldwell Banker based on the Strong Principles




Coldwell Banker the most Influential and successful real estate company.

105 Years of…




Last year in Northern California, Coldwell Banker helped over 20,200 buyers and sellers with homes.

We have a global network. I can help connect you with a professional real estate agent almost any where in the world.

Coldwell Banker has the most innovative marketing plans and tools.

Our listings are put on over 350 websites including, Trulia, Zillow, AOL, Yahoo!Real Estate, MSN, etc.

Coldwell Banker offers its agents training programs throughout their careers.

Why Coldwell Banker?

Why Not?

I look forward to working with you! Give me a call today 916.865.8759

Pam McCoy

9608 Wexford Circle, Granite Bay, CA

Do you know someone who would love to live in Wexford?

Did you think that Wexford was out of your price range?

Do you like to tour Luxury Homes?

Do you like Chocolate Covered Strawberries?

If you answered yes to any of these questions, you will want to come by my open house on Sunday, March 18th between 1 and 5pm!

This home is a great Wexford starter home!

Priced to sell!


Open House this Sunday, March 18th

1pm to 5pm

9608 Wexford Circle, Granite Bay, Ca  95746

This Traditional Home is located in the prestigious neighborhood of Wexford in Granite Bay, CA.

Priced to sell at $837,000.

Great starter home in Wexford!

4,827 square feet of Luxury Living. Master Bedroom and Bath Down Stairs with an additional bedroom and bath off the kitchen.

Upstairs you will find plenty of storage along with your own craft room. Forget worrying about putting those projects away. Just close the door!

The tranquil setting outside has plenty of room to put in your own custom pool.

I hope to see you there!

Your Granite Bay Real Estate Agent,

Pam McCoy, e-PRO

Will you be stopping by?

FHA Now Requires for all Collections Paid

FHA Update – March, 2012



MORE THAN $1,000 in Collections MUST be paid off

Coldwell Banker sells homes.
If you are planning to purchase a home using an FHA home loan, you will want to begin making payment arrangements for any outstanding collections totaling more than $1,000.

Disputed credit accounts or collections resulting from identity theft, credit card theft, or unauthorized use, etc., will be excluded from the $1000 limit under the terms.

For more information about an FHA home loan or the new guidelines, you may contact my Princeton Capital Senior Loan Officer, Kristy Ruhkala NMLS# 256835 (916) 532-8080.

Looking forward to helping you purchase your next home!

Pam McCoy

Princeton Capital is a Residential Mortgage Lender, and an RMR Financial company, licensed by the California Department of Corporations under the California Residential Mortgage Lending Act, license #415-0027.

Granite Bay Home Trends for January, 2012

Granite Bay, California Home Trends for January, 2012

January, 2012 Granite Bay Home Trends

Homes sold = 13
Homes for sell = 84
New listings = 39
Homes Pendings = 35

Months of inventory is up to 6.5 months from an average of 3.99 months of inventory over the last 10 months.

Average Cumulative Days on Market (CDOM) = 119
Sales Price/Original List Price 89%

Average price per square foot $168.00

Would you like information about your neighborhood and home? I would be happy to put together a market analysis of your property at no charge and no obligation!

Your Realtor®,
Pam McCoy

Please visit my Coldwell Banker Website for more information on buying and selling homes in Granite Bay and Roseville.

Cedar Oaks, Granite Bay — Open House today!


Come by to see this great Granite Bay home listed for $655,000.

Located on a beautiful treelike street in Granite Bay minutes from Folsom Lake!

7152 Cedar Oaks, Granite Bay, Ca 95746

Pass this on to someone you know looking for a tranquil backyard, spacious kitchen and family room and 4 bedrooms, 3 baths.

Your Realtor Advocate,
Pam McCoy

5 Important Steps When Your Offer has been Accepted

House for Sale by Coldwell Banker

Your Offer has been Accepted

      1. Complete a Home Inspection

  • Did you put the home inspection contingency into your offer? Be sure to hire a qualified home inspector and get the inspection done in the time frame specified in the purchase contract.
  • Review the written report provided by the inspector. Understand the severity of each item listed.
  • Decide a course of action after reviewing the list:
  • Cancel the contract in the time frame allowed when just cause is determined after the professional home inspection.
  • Determine what items must be fixed.
  • Determine what items you will ask your seller to fix and which items you, as the buyer, will fix.
    1. 2. Finalize Your Mortgage

  • Supply your lender with all the documents he will need in order to submit your loan in a timely fashion.
  • Secure a mortgage.
    1. 3. Get Ready to Move

  • This job is always bigger then you may have planned for.
  • Start early when planning to move.
  • Hire a moving company. Compare the costs. Get recommendations. Make a reservation.
  • Do not pack away any paper work that you may need for the loan.
  • Arrange with utilities for shut off at old home and turned on at new home.
  • Notify the post office of your change of address.
    1. 4. Attend a Final Walk-Through

  • This is a final check to ensure that the home is in the same condition it was during the inspection.
    1. 5. Prepare to Pay Closing Costs

  • Determine exactly how much money you will need to bring in for the closing.
  • Be sure to find out the method of payment that is accepted.

  • Are you looking to purchase a home in Folsom or Granite Bay? As a Real Estate Buyer’s Agent Council (REBAC) member, I am ready to help you purchase your home.

    Pam McCoy, Certified Negotiation Expert (CNE)

    “Integrity is what we do, what we say, and what we say we do.” –Don Galer

I Want to Buy That House! What School Will My Children Attend?

When looking for a home, how do I know which school my children will go to?

This tool will come in handy when shopping for a home. Put in the exact address of the home you are thinking about purchasing and the tool will tell you the local school that your child will attend.

Always verify with the local school district prior to purchasing a home

It is advised to always double check with the school district before purchasing a home to be sure you have all the information about the school that your child will attend. School boundaries are sometimes changed and some schools are impacted. Don’t be surprised after you close escrow and find out that your child will not be going to the school you had assumed he would be going to.

Need help finding a home? I am here to help you! Now is a great time to buy with interest rates still low.

It’s a great day to buy a home!
Pam McCoy

How to Choose an Agent to Sell Your Folsom or Granite Bay Home

Choose a Real Estate agent

Questions to ask?

  • What kind of marketing do they do to sell your home?
  • Ask them to show you listings they have had in the past and what they will do for you.
  • What kind of experience do they have?
  • Is she an effective negotiator?
  • What are their ethics?
  • Do they work with a company that is ethical?

Real Estate agents that offer discounts

  • May not put 100% effort into serving your needs.
  • May not be efficient negotiators.
  • May not look out for your best interest.
  • May actually cost you more money.

If you are looking to sell your home, I would love to have the opportunity to talk with you.

Thinking of selling your home? Call me today. 916.865.8759 or email me to go over a customized marketing plan to get your home sold and to discuss the benefits of hiring a Professional Coldwell Banker Realtor® to list your home.

Your Listing Agent,
Pam McCoy, Certified Negotiation Expert (CNE)

Why Should I Get a Termite and Pest Inspection?

Wood Destroying Inspections

Termites can do a lot of damage on a home. You want to be sure you are not purchasing a home that has thousands of dollars in damage.

Spending money on Inspections can SAVE you money in the long run.

When purchasing a home, you want to know as much about that home as you can. Hiring a Professional Termite and Inspection Company to do a thorough report on the property is a good investment.

Kyle or myself are happy to answer any questions you may have.
Kyle Finley 916.344.8946
Pam McCoy 916.865.8759

American Dream Loan – US Bank

Home Loan from US Bank for First Time Home Buyers

Ken Miller, Mortgage Banker at US Bank talks about a special loan they have called “The American Dream”.

  • 95% financing
  • 30 Year Fixed Rate Mortgage
  • Great loan for first time home buyer
  • No Mortgage Insurance
  • Fully Amortized
  • No Pre-Payment Penalty

Can we help you with your next home purchase?

If you have any more questions regarding home financing or purchasing a home, please feel free to give us a call.
Ken Miller, Loan Originator 916.390.0275
Pam McCoy, Realtor® 916.865.8759