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WHY HIRE AN AGENT WHEN YOU CAN HIRE A TEAM!
Jim & Jo Cates along with Tammy Adams & Kasie Acosta REALTOR®
PMZ REAL ESTATE
190 S Magg Suite A
Got a Realtor? You have a TEAM!!
Oakdale,  CA  95361
209.606.0692
209.840.4611 
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Bank owned homes at jcates.pmz.com search for a home right from our site.
Repairing cabinet doors and drawers
Got a cabinet door in the kitchen that keeps sagging to one side? Is that drawer in the bathroom vanity still sticking, despite trying to lubricate it with toothpaste?
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Should I Refinance?

Estimate Payments
Fixed or Adjustable?
Should I Make Extra Payments?
Will I Qualify?
How Much Can I Afford?
Jim & Jo Cates along with Tammy Adams & Kasie Acosta
REALTOR®
PMZ REAL ESTATE
190 S Magg Suite A
Oakdale,  CA  95361
209.606.0692
209.840.4611 
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
What is going on with the 30 year fixed rate?
Why is the 30 Year Fixed Rate going UP when the Fed just cut Rates? ...more
 
Studies show now is the time to buy
Purchase a home in 67 of the nation's 100 largest metropolitan areas and you should be able to build positive equity by 2012, according to a new study comparing ownership and rental costs. ...more
 
Don't wait until selling to make repairs
Home maintenance ranks low on many homeowners' priority lists. When the washing machine breaks, you might fix it to keep from having to go to the Laundromat. But, if there's no pressing need, home maintenance chores are often put off. ...more
 
The Cates team and PMZ Real Estate Welcome's
Bring on the chocolate and nobody gets hurt. Cowboys & Chocolate festival coming soon a Oakdale is the Cowboy Capital of the W
...more
 
Whole new ballgame for refis
Mortgage interest rates have declined to all-time lows, resulting in a pickup in mortgage refinance applications. How many of these applications result in successful refinances remains to be seen. Lenders' qualifying criteria have tightened. The lowest interest rates are reserved for homeowners who have sufficient equity in their homes and who have high credit scores -- usually above 720. Lenders also are stricter on the borrower's overall debt-to-income ratio, but this varies from lender to lender. ...more
 
Curb appeal tips that pay off
Imagine going on a job interview looking shabby, or trying to sell your car for a good price when it's filthy and loaded with stuff. In a competitive market, you wouldn't do well. ...more
 
Why Rent when you can own
Ask us how you can own your own home! ...more
 
Facing foreclosure: When must I move out?
DEAR BENNY: I am one of the unfortunate who has to deal with eventual foreclosure. Can you tell me how long I can remain in my home until legally having to vacate? –Constance ...more
 
Organization tips for kitchen pantry
Designers and homeowners agree that ample, easily accessible storage is one of the most important aspects of a great kitchen, and one of the best ways to achieve that is through the use a pantry. Pantries take two basic forms -- the pantry cabinet, which is essentially a tall, wide cabinet that is part of the overall kitchen, and the walk-in or semi walk-in pantry, which is a separate space similar to a small closet. ...more
 
Top home-buying mistakes revealed
The first rule of inspecting a home you want to buy is to stay intimately involved in the process, and to leave no stone unturned. If you're busy or traveling during the time period, you have to complete your due diligence investigations by enlisting the aid of a friend you trust to stand in on your behalf -- someone who will keep you well informed as inspections proceed. ...more
 
Why hire an agent when you can hire a team
Central Valley Real Estate Tips
 
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