All agents are NOT alike! Find out why we are top real estate experts. Call us: 707-824-4507 or 707-824-4502.

Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
Find Out More >
View All Offers >

Far Beyond Our Expectations
“It's clear he loves his job, and we will recommend him to our friends!”
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Cary Fargo & Doug Schaeffer are Top Selling Real Estate Experts™
Find Out More >

See the nation's top rated reports for Schools in Sebastopol, Graton and Occidental >

Coming Soon
Find Out More >

Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Sebastopol, Graton and Occidental real estate agents to offer services such as these.

Once you fill out the form, we will quickly process your information and get right back to you!

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Loan Info
Anticipated Down Payment:
Desired Loan Amount:
Total Monthly Income:
Total Monthly Debt Payment:
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >

School Reports in Sebastopol, Graton and Occidental, California

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Sebastopol, Graton and Occidental

Tax Considerations >Capital Gains Exemptions

Home sellers are always interested in their tax deduction options. If you recently sold a home without meeting the basic ownership and use criteria for waiving capital gains tax, you might still be able to claim reduced exemptions if you meet certain other criteria.

Homeowners who had to sell because of a change in place of employment can qualify for reduced tax. You must prove that the job change occurred while you owned and used the home as your primary residence, and that your new job is located at least 50 miles farther from your residence than your previous place of employment.

A reduced exclusion from capital gains tax may also be granted for health reasons. If your motivation for selling your house was to obtain diagnosis, treatment or cure for a disease or injury to you or a family member, you can apply for an exclusion. Unforeseen circumstances such as death, unemployment, divorce or natural disasters may also reduce your capital gains tax. Consult a tax professional for advice about your unique circumstance.

	See All Tips In The "Tax Considerations" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What three things are necessary in order to purchase a home?
A	Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
See More Real Estate Trivia >

Cary Fargo & Doug Schaeffer, REALTOR®, real estate agents and broker for Sebastopol, Graton and Occidental, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Cary Fargo & Doug Schaeffer
Prudential California Realty
7300 Healdsburg Avenue
Sebastopol, CA. 95472
Cary's Phone: 707-824-4507
Doug's Phone: 707-824-4502
Fax: 707-829-5028
Cary's Email: cfargo@sonic.net
Doug's Email: doug3@sonic.net
No one knows Sonoma County like Cary Fargo and Doug Schaeffer. They specialize in Country Properties. Call or email Cary or Doug today!

www.dougschaeffer.com is brought to you by Cary Fargo & Doug Schaeffer
NUMBER1EXPERT™ in real estate for Sebastopol, Graton and Occidental, California, County Properties, Residential

Read Cary Fargo & Doug Schaeffer's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge