What are Home Loan Interest Rates Based On?

How are interest Rates Determined?

Rates correspond with the bond market and change every 15 minutes.
Watch the stock market to see how it is doing.
Stay in contact with your lender. Your lender can help keep you informed.

Be sure to choose your lender wisely. Your Professional real estate agent should have at least three lenders that she can recommend for you to interview before selecting one.

Purchasing a home and taking out a home loan is one of the biggest financial decisions you will make. Be sure to have a team of trusted professionals working with you.

What was the highest interest rate you can remember?

Pam McCoy, Realtor (r)
Coldwell Banker Real Estate
1180 Iron Point Road, Suite 130
Folsom, CA 95630
916.865.8759

Coldwell Banker Home Buyer Guide

Coldwell Banker Home Buyer’s Guidebook

At Coldwell Banker Residential Brokerage, we will take care of all your home buying needs. Not only will we show you different communities and homes but when you get ready to put an offer in, we will negotiate on your behalf.

Happy shopping!

Pam McCoy
916.865.8759

Folsom Housing Market – Only One Month of Inventory

Check out this graph…

Only one month of inventory is available!
We have home buyers.
We NEED more home sellers.

Have you been thinking about selling your home?

Now may be the time.

Do you know what your home is worth?

Give me a call and I would be happy to do a free home market analysis.

Your Coldwell Banker Real Estate Agent,

Pam McCoy
916.865.8759

7 Reasons to Own Your Own Home

  • Tax Breaks. According to the U.S. Tax Code, you may deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in purchasing your home.
  • Appreciation. History shows the long-term, stable growth value of home ownership. Yes, there may be year-to-year fluctuations. Median existing-home sale prices have increased on average 6.5 percent each year from 1972 through 2005 according to the National Association of Realtors®. The number of U.S. households is expected to rise 15 percent over the next decade, creating continued high demand for housing.
  • Equity. When you pay rent, you are putting out money that you will never see again. When you pay mortgage payments, you are building equity in your home.
  • Savings. Building equity in your home is a ready-made savings plan. As you get older you may get a reverse mortgage where you can use the equity of your home awhile still living there.
  • Predictability. You will always know what your payments are. Unlike rent that may be increased from year to year. Property taxes and insurance cost may increase though.
  • Freedom. Paint, remodel and decorate however you want. The home is yours!
  • Stability. Build lasting friendships and participate in community activities.
  • It is time to buy that home you have been dreaming about! Call me today! 916.865.8759

    Your Realtor®,
    Pam McCoy, e-PRO

Why Coldwell Banker – The Leader

Coldwell Banker based on the Strong Principles

Honesty…

Integrity…

Professionalism.





Coldwell Banker the most Influential and successful real estate company.

105 Years of…

Strength…

Stability…

Success!



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 Realtor.org, 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

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
916.865.8759

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