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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Pam is very experienced, focused, kind, patient.
My wife and I would not hesitate to use Pam as a real estate professional again, and I highly recommend her to you.
Timothy Baker
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Difficult property
Our house was a difficult property to sell but Pam's calm, confident assurance let us know we were in good hands. Always ready to help us with any issue that may arise, Pamela Payne shows that she knows what good service is and that she is willing to do it. I easily recommend her to my friends knowing that they will be well taken care of. And she is sweet too!!!
Pattie and Don Davis
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Financing Your Home >Assuming a Mortgage
You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.
Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.
Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.
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| Q |
What does the term Curb Appeal mean?
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| A |
This term describes how homes look from the street; this first impression is very important to prospective homebuyers. |
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- NUMBER1EXPERT™ 
