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 "I realize that the only way to achieve true customer satisfaction is to truly understand your real estate needs. Whether it be personal residence or investment property. I'm committed to helping you work through the sometimes overwhelming options involved. Let's start with, what would be your dream house? How would you prioritize its features? Can you really afford what you want? If selling, should you redo that kitchen before putting the house on the market? How can you balance the timing and financing of selling one and buying another? Does this all make 'cents' for you in the long run?" Pamela's financial insights in any real estate transaction are the result of a career that began in the late 1960's in the Real Estate Industry. Being a third generation real estate professional, she dove into the real estate world herself by purchasing her first home at the age of 18. Pamela's career background includes: processing and closing FHA, VA and conventional loans. She spent many years processing, underwriting and managing a mortgage banking office. Several years spent as an Account Executive getting involved in secondary marketing and risk management in the Private Mortgage Insurance industry. What does this mean to her clients? Having the goal of using her background and setting her sights on full-time Real Estate Sales, thus joining Century 21 M&M Associates, is that Pamela knows how to maximize your purchasing power while preventing later regrets. Pamela Easton has earned the following designations:
CRS, Certified Residential Specialist
GRI, Graduate Real Estate Institute
SRES, Senior Real Estate Specialist - Senior Real Estate Advisory Council
CPFS, Certified Pre Foreclosure Specialist
CSSS, Certified Short Sale Specialist
With her past background and education, Pamela also earned the 'CRMO' (Certified Residential Mortgage Originator) issued by the California Mortgage Bankers Association. (Pamela is strongly in favor of 'specialization' - and is vehemently opposed to REALTORS participating as lenders AND lenders representing a buyer as a real estate agent at the same time. The buyers best interest is paramount. Pamela holds this credential merely to stay on top of industry changes for the benefit of her buyers and sellers alike. Pamela's credentials are a definite advantage to her clients. Being a licensed Realtor through the California Department of Real Estate, she is also a member of the following: Member - Merced Association of Realtors
Member - Member Metrolist AND Merced MLS AND MLSListings!
Member - Association of Professional Mortgage Women
Member - California Association of Realtors
Member - National Association of Realtors
Member - Council of Residential Specialists
Member - Northern California Chapter of Residential Specialists
Pam works hard to earn and keep the trust of
her clients. Staying on top and well informed in this ever-changing industry is
one of the many ways she succeeds in doing just that! Using the up to date
technology of today coupled with the hometown values of her own, her clients
know they are getting the best possible service.
Whether buying or selling, let Pamela Easton
help you make 'cents' of it for you!
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First Time Buyers >The Down Payment
Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.
If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.
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| Q |
What city boasts eight of the world's ten biggest hotels?
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| A |
Las Vegas has eight of the largest resort hotels; the latest and most extravagant is the $2.7 billion, 2,716-room Wynn Las Vegas. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
