Farm & Ranch Realty
Spanning across the entirety of the Sacramento Valley


contact me. I have compiled this list of commonly asked questions to assist you in your journey of purchasing or selling a property. Should you have any additional queries that are not mentioned, please do not hesitate to reach out to me. contact us by phone or email contact us by phone or email .

By selecting any of the questions provided below, you have the opportunity to access the corresponding answer. Simply click on the question of interest and the answer will be displayed.



Can the value of a home decrease over time? Can a residential property experience a decline in its market worth?
Is a house that is older equal in value as a newly-built one?<br> Does an older home offer the same value as a brand-new one?
What are closing costs?
What does FSBO mean?
What exactly does the term "One-Time Show" listing mean? What's the definition of a "One-Time Show" listing?
What is a broker?
What is a contingency?
What exactly does the term "debt-to-income ratio" mean? What exactly is a debt-to-income ratio?
What exactly is a Multiple Listing Service (MLS)? Just what is this Multiple Listing Service (MLS) all about?
What is a REALTOR®?
An escrow officer is a professional who plays a vital role in real estate transactions. Their primary responsibility is to ensure the smooth and secure transfer of funds and property between buyers and sellers. Working as a neutral third party, the escrow officer holds all relevant documents, money, and instructions until all conditions of the transaction are met. This helps protect both parties involved and provides a neutral intermediary to oversee the transaction process. In summary, an escrow officer acts as a guardian of trust, facilitating successful real estate transactions.
What exactly does homeowners association (HOA) mean? What precisely is a homeowners association (HOA)?
What sets apart being prequalified from being preapproved for a loan?
What is title insurance?
What distinguishes a "Listing Agent" from a "Selling Agent"?
What are the reasons for utilizing the services of a real estate agent? Why would Ibenefit from using a real estate agent?


Is there a restriction on the maximum amount of escrow funds that lenders can gather from borrowers?
Is it possible for me to handle the payment of my own taxes and insurance?
How can I prevent the need for private mortgage insurance? How can I steer clear of private mortgage insurance?
How does the calculation of interest on a mortgage loan work? How is the interest calculated on a mortgage loan?
What is the duration of the loan approval process? What is the estimated time required for the loan approval process?
What is the estimated time required for the completion of my loan closing process (including signing the loan documents)?
What is the requirement for the minimum credit score? Is there a specific benchmark that needs to be met?
Is it necessary for me to utilize the mortgage company recommended by my builder? Do I have to go with the mortgage company suggested by my builder?
Is it necessary to pay discount points in order to decrease (buy down) the interest rate? Should discount points be paid to decrease (buy down) the interest rate?
What advantages does a combination of first and second liens offer? What are the perks of combining a first and second lien?
What advantages can I gain by having private mortgage insurance?
<i>What should I do if I get a tax statement?</i> <br> <i>What should I do if I receive a tax statement?</i>
What is the definition of Prepaid Interest? What exactly does Prepaid Interest entail?
What is included in the origination fee? What expenses does the origination fee cover?
A gift letter is a document that explains the nature of a gift given to someone. It serves as a proof of the gift and provides details such as the value of the gift, the donor's name, and the recipient's name. This letter is commonly used in situations where financial transactions are involved, such as in real estate transactions.
What exactly is a lock-in? What does a lock-in entail?
What exactly does an ARM loan mean? What precisely does an ARM loan stand for?
An escrow account is a type of financial arrangement where a third party holds and manages funds or assets on behalf of two parties involved in a transaction. It acts as a secure intermediary to ensure that both parties fulfill their obligations before releasing the funds or assets in dispute. This helps to reduce the risk and provide a sense of security for all parties involved in the transaction.
What's my credit score and how is it determined?
<div> <p>What does PITI stand for and what is its meaning?</p> <p>What does PITI represent and what is its significance?</p> </div>
<p>What's the difference between preapproval and prequalification?</p>
What is underwriting?
What caused the adjustment in my mortgage payment amount?
Why is it necessary to resolve any issues with the title before I am eligible for a mortgage?
Can you please explain why the Annual Percentage Rate (APR) mentioned in the Truth in Lending Disclosure is higher than the rate stated on my note, especially considering that I thought I had chosen that rate?


Is it possible for me to withdraw from my agreement with one buyer and accept a fresh, more lucrative offer from another buyer?
Is it necessary for me to sell to the individual offering the highest bid? Do I have an obligation to sell to the person offering the highest bid?
What is the right way to determine the value of my house? What is the best approach to setting the price for my property?
Is there an optimal moment to list my property for sale? Is there an ideal time to put my house on the market?
What is the definition of comparables or comps? What is the meaning of comparables or comps?
What are the downsides of setting the price of my house at the higher range? What are the disadvantages of placing my home on the high end of the price spectrum?
What is the definition of an appraisal? What exactly does it entail?
What is a counteroffer?
What exactly is an "Exclusive Right to Sell" listing? Can you provide some information about it?
What exactly does the term "Exclusive Agency Listing" imply? What does it mean to have an "Exclusive Agency Listing"?
Who is accountable for completing any necessary repairs indicated in the home inspection reports commissioned for the buyer?
What are the reasons for utilizing the services of a real estate agent? Why would Ibenefit from using a real estate agent?
Farm & Ranch Realty
Ph: 530-666-4638Fax:530-666-4642
175 West Main Street, Suite D is the exact address that you need to know.
Woodland, CA 95695 US
Licensed Real Estate Broker 0554252
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