Heidi Hovatter's Blog

Now that you know what you’re looking for, the next step is figuring out what you can afford. A review of your income, savings, monthly expenses, and debt will be necessary. Early on in the process, you’ll want to get pre-qualified for a mortgage loan, which helps determine how much you can afford. It enables you to move swiftly when you find the right home, especially when there are other interested buyers. It also indicates to the seller that you are serious and can afford to buy the property. A pre-approval is a simple calculation done by a mortgage lender that tells you the amount you’ll be able to finance through a loan and what your monthly payment will be. When you find a home to buy, a pre-approval also reassures the seller that you have the financial means to purchase his or her home. Know what you can afford is the first rule of home buying, and that depends on how much income and how much debt you have. It pays to check with several lenders before you start searching for a home. The price you can afford to pay for a home will depend on several factors, such as: gross income the funds you have available for the down payment, closing costs and cash reserves required by the lender your debt your credit history the type of mortgage you select current interest rates.

Sonora California Real Estate, Sonora CA homes for sale, Twain Harte Real Estate, Twain Harte Homes for Sale

I am enjoying 10 days in Germany.   I love traveling and actually still accomplish a lot of work while I am gone.   I live in Sonora California so ordinarily I am on Pacific Time.   Germany is 9 hours ahead.   I can go about my day here.   At 5pm in Germany it is 8 am in California.   I check emails and return any new calls.   I then enjoy my evening.   Before my bedtime I check emails and phone calls again and call it a day.

How do you combine vacation and working?

Concerts In the Pines are presented every Saturday night, during the summer months. Located on the Rotary Stage at Eproson Park, concerts start at 6 PM and are free to the public. Picnics, blankets and low-back chairs are welcome but you may want to arrive early to secure a spot on the grass. Please join us for another great year of Concerts In the Pines.

Are you wondering if the market in Tuolumne County has stabilized?   Curious about the value of your Sonora California Home or your Twain Harte Cabin?   Click on this link and enter your home information.   A detailed report of current information including new listings and sales in the last 3 months will be emailed to you.   Do you want to know how many days homes are staying on the market?   This will tell you when you should list your home for sale so it is pending by the time you need it to be.   Simply go to TuolumneCountyHomeValues.com

Let me know if you have any questions,

Heidi Hovatter
209-743-3010
SonoraProperties.com
Heidi@SonoraProperties.com

I will be updating my Facebook Fan page for SonoraProperties.com.   Look for valuable consumer information coming within the next weeks.   You will be able to see my listing videos, find the values of homes in Tuolumne County and read my blog, all without leaving Facebook.   If you haven’t already, please become a Fan of SonoraProperties.com

I have 5 new foreclosures coming up in the next few weeks.   If you are looking for a good deal in Sonora, Tuolumne or Copperopolis call me to schedule an appointment to see these homes.   I can be reached at 209-743-3010 or visit my website to email me www.SonoraProperties.com.

Yesterday’s snow storm blessed Dodge with 26 inches at the base and 36 inches at the summit dumping plenty of snow to open this Friday, December 11!   Early season conditions do exist, as always ski and ride with care.

The streets of Twain Harte will be crawling with carolers, Santa Claus and holiday cheer  Friday night  at the Twain Harte Winter Wonderland Parade.   That’s right, this Friday night, December 4, 2009.

They are expecting  thirty-two entries this year.   The annual Christmas Carol Sing will begin under the arch  at 5:30pm, the town tree will be lit and the parade will start at 6pm with Santa’s arrival concluding the parade.   The parade  starts in front of the CDF Station on Meadow Drive. It will then travel under the arches and over to Fuller. The route then eventually makes a circle back to the CDF Station.

Residents and visitors are encouraged to come out early.

Santa will stay long enough to visit with all children present and have free pictures taken with them. Parking is available at Twain Harte School.

You can stop by Century 21 Wildwood Properties afterwards for hot cider and cookies.   Hope to see you there.

If you are facing foreclosure, first and foremost, contact your lender immediately!   If you  have  an animal that needs  help please create a Paw Alert! by clicking on a blinking  image below and find a shelter.   We are here to help keep you and your family together.

If you have found an abandoned animal that has been a victim of foreclosure, please create a Paw Alert!

Find a Shelter Here :

All three of the Mother Lode Sierra Nevada mountain passes remain closed this morning due to snow and ice.Ebbetts (Hwy 4), Sonora (Hwy 108) and Tioga (Hwy 120) were all closed Monday and may remain closed throughout the week with a low pressure system set to arrive Thursday and Friday.