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

Keep Your Home California

If you are struggling to make your mortgage payments and keep your home, Keep Your Home California may be able to help. This is a state run program.

This program may help those who are having an economic hardship like lost of job.

There are several eligibility requirements to participate in Keep your Home California’s program.

If you have questions about financing, selling or purchasing a home, we are here to help you.

Call us today.
916.865.88759

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

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.

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)
DRE#00962839