Arnold, Dorrington and Bear Valley real estate and homes for sale in California, Vacation Homes and Cabins - Sondra Ammons, REALTOR® Sondra Ammons REALTOR(r) for Arnold, Dorrington and Bear Valley, California real estate - NUMBER1EXPERT™ Sondra Ammons NUMBER1EXPERT(tm) for Arnold, Dorrington and Bear Valley, California real estate, Vacation Homes and Cabins
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Sondra Ammons, REALTOR®, real estate agent for Arnold, Dorrington and Bear Valley California home listings, property and land for sale - NUMBER1EXPERT(tm)

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First Time Homebuyers: Arnold, Dorrington and Bear Valley California home buying, real estate listings, and homes for sale in Calaveras County, CA
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORS® Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Arnold, Dorrington and Bear Valley real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >The Loan Application

When you have decided on a mortgage lender, you begin the loan process by filling out a loan application. You should be fully prepared to go over your current financial situation and credit history with the loan officer.

Have a record of all of your current bank accounts, including the name and address of bank(s), type of account(s), and approximate balance(s). Be prepared to provide details about outstanding loans, including student loans and major credit accounts. You will also need information about your assets, such as car title, stocks and bonds, and life insurance policies. If you foresee any credit problems, ask the loan officer for advice on how to keep them from interfering with approval of your mortgage loan. The loan officer can usually give you a prompt opinion about your chances for obtaining a mortgage.

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Real Estate Trivia
Q 
What land did the U.S. Government buy for $7.2 million?

A 
The U.S. bought all of Russian America (Alaska) from the Russian Czar in March 1867.
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You can find great local Arnold, California real estate information on Localism.com Sondra Ammons is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.

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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 209.795.1200



Sondra Ammons, REALTOR®, real estate agent for Arnold, Dorrington and Bear Valley California home listings, property and land for sale - NUMBER1EXPERT(tm)

Sondra Ammons
Cabins in Arnold Realty (C.I. A. Realty)

1044 Hwy 4
P.O. Box 3528
Arnold, CA. 95223
Office: 209.795.1200
Toll Free:: 888.9 SONDRA
Cell: 209.770.3125
Email: Sondra@CabinsInArnold.com

Sondra Ammons has a heart of gold! She is a caring woman, loving single mother, a proud business owner, and a top realtor. Sondra has worked in sales and real estate for over 27 years. Five years after entering the real estate field, Sondra opened Cabins In Arnold Realty (C. I. A. Realty). Cabins In Arnold Realty reflects Sondra’s very personalized style, her understanding of client’s financial boundaries and her strong desire to help. Today, Sondra’s son, Cody Cavan, works with her at C. I. A. Realty as a successful realtor. This local family business has earned the respect of the community. Everyone knows they can trust Sondra, Cody and C. I. A. Realty! Call them today at (209) 795-1200!

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