Celebrating all the wonderful women in our lives this Sunday, but appreciating them every day!!
Central Coast Real Estate, New Home Communities, and Commercial Leasing Services
Pam Adkisson
May 2010 
"Your Full Service Real Estate Professional" , California Central Coast"Copyright © 2010 Realty Times
All Rights Reserved.
Five Key Areas to Pay Attention to When Buying a Home
Looking for a new home can be exciting and frustrating. You can help alleviate the frustration by paying close attention to five key areas of the homes you're considering buying; it may save you money in the long run.
Don Walker is an inspector and owner of Ace Home Inspections. He says there are five areas in homes that he frequently reports problems with. They are electrical, foundation, plumbing, the attic, and landscaping.
Electrical: Walker says sometimes homeowners assume with newer homes that all will work just fine but that's often
Mortgage Rates
U.S. averages as of April 30, 2010:
30 yr. fixed: 5.06%
15 yr. fixed: 4.39%
1 yr. adj: 4.25%
View current rates
not the case. "I inspected a brand new house four-years old but the electrical was all done incorrectly," says Walker.
Having a complete home inspection will help to rule out any problems and
For More information on Central Coast real estate, Rice Ranch and The Woodlands
805-478-4090 pam.adkisson@gmail.com http://pamadkisson.point2homes.biz
Green Your Home with Cost-Saving Remodeling
Tax Credits 
As the 40th anniversary of Earth Day was celebrated last month, the National Association of Home Builders (NAHB) reminds home owners that they can use fewer resources and save money by taking advantage of federal energy efficiency tax credits through the end of the year.
Home owners who purchase qualifying water heaters, windows, air conditioning units and other appliances, insulation and roofing can be eligible for tax code section 25C tax credit, equivalent to 30 percent of the cost. There's a $1,500 overall limit for purchases made in 2009 and 2010.
"You can save money, save energy, and be a good steward of the Earth's resources," said NAHB Remodelers Chair Donna Shirey, a remodeler in Issaquah, Wash. "I can't think of a more appropriate way to commemorate Earth
Common Buyer Fears 
IWhether you are a first time home buyer or someone who is looking to move up or down, getting into the market can be a fearful time.
Here are some of the most common buyer fears:
Do I have enough money to buy a home?
To first step to finding out how much home you can truly afford is to get pre-qualified for a mortgage.
Also, take a step back and look at your finances. Ideally, you should have around 20 percent of the purchase price to put down. You should also have less than a 36 percent debt to income ratio. Be sure to include all of your monthly obligations in that equation, including student loans, child support payments, alimony, car payments, credit cards, etc. Once you've looked at your savings, make sure that apart from your down payment, you'll have enough left over to pay closing costs, which include such things as attorney fees and transfer fees. The National Association of Realtors (NAR) reports that this amount averages between 2 and 7 percent of the home price. You also need to have money left as a cushion. What if unexpected
About Pam Adkisson
MAY 2010 NEWS:
IPB COMMERCIAL: Pam joins Susan Pazdan, IPB Commercial in Santa Maria, representing commercial lease opportunities at Acorn Plaza (west), Town Center West, Skyway Business Park, Mission Creek Plaza, and Central Santa Maria.
RICE RANCH and MONARCH DUNES TOWNHOMES at The Monarch Dunes/Woodlands in Nipomo:
RICE RANCH:
Next Phase release all SINGLE STORY, priced from $440,000, still generous incentives. Visit:
http://www.riceranchcommunity.com/
The Villas at The Woodlands:
SOLD OUT!!! Model Plan C available...offered at $850,000-fully furnished on golf course- over $120,000 in upgrades!
MONARCH RIDGE TOWNHOMES at the Woodlands: Monarch Ridge Townhomes Builder Special: Plan “B” residence with approximately $25,000 in upgrades priced at only $375,000!
Broker coop and honor Friends and Family Referrals...stop by our beautiful communities today!
Santa Maria Real Estate, Orcutt Real Estate, Santa Barbara Real Estate, Santa Maria Association of REALTORS
Description: Specializing in Santa Maria residential, new homes, and commercial real estate: Orcutt, Guadalupe, Nipomo, Lompoc, Arroyo Grande, Pismo Beach, Grover Beach, and Santa Barbara. Santa Maria Association of REALTORS helping to find and buy the home of your dreams.
URL: http://www.smaor.com/
Pam Adkisson | Create Your Badge
Daily News and Advice
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Pam Adkisson, Realtor,Era Polly Real Estate - Hostess,Rice Ranch/The Woodlands and IPB Commercial Representative
E-mail: pam.adkisson@gmail.com
Web: http://pamadkisson.point2homes.biz
805-478-4090 cellEra Polly Real Estate, Rice Ranch/Monarch Dunes and IPB Commercial Leasing
805-478-4090
Santa Maria/Orcutt, CA 93455
Equal Housing Opportunity
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Central Coast Real Estate Referral Specialist Realtor-Associate Era Polly Real Estate Hostess-Rice Ranch and The Woodlands, California Central Coast
Refuting the rumors - Rice Ranch is building and selling homes!
Wonderful Sales activity at Rice Ranch in Orcutt!!
Don't forget!! Annual Autumn Arts Grapes and Grains today in Downtown Santa Maria!
Pam's October Real Estate Newsletter
A Back to Basics message: The Power of ActiveRain
Added Credit Restoration Specialist to my menu of services
Rice Ranch New Home Community attracting buyers in this market! We're selling homes!!
Builder's Specials at The Villas at The Woodlands
Just Heard...Great Info for Santa Maria/Orcutt Business Community
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