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Welcome to The De Sena Group's Nevada City, Grass Valley and Penn Valley Real Estate Website

Welcome! Here You Can Find Great Information on Nevada City, Grass Valley and Penn Valley, California Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the Nevada City, Grass Valley and Penn Valley real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top Nevada City, Grass Valley and Penn Valley real estate agents, we have the experience and track record you are looking for. Please let us help.

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School Reports in Nevada City, Grass Valley and Penn Valley, California

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Schools in Nevada City, Grass Valley and Penn Valley

Financing Your Home >Qualifying For A Loan

It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.

Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.

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Q	What are three of the best indicators of real estate market trends?
A	Existing home sales, new home building and mortgage interest rates.
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The De Sena Group, REALTOR®, real estate agent and broker for Nevada City, Grass Valley and Penn Valley, California home listings, property and land for sale - NUMBER1EXPERT(tm)

The De Sena Group
ERA Cornerstone Realty
101 Boulder Street
Nevada City, CA 95959
530-265-3369
Fax: 530-265-8554
StephenDeSena@NUMBER1EXPERT.com

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