• Get a password: - Because Listingbook allows direct access to MLS, you must be issued a password by a Realtor, such as Pamella and Gary McLaughlin. We can set you up quickly if you give us a call at (818) 425-1329 or use the contact form.

• Mortgage Basics - Adjustable or floating rate, 15-year or 30? How much mortgage can you afford? These are just a few of the many questions home buyers will find information on in this report.


• Understanding Points, Rates and Fees - Not only do you have to understand what type of mortgage you should choose, you have to understand the costs associated with your mortgage. All of these costs will be paid upon closing your mortgage.


• Buying Your First Home - Finding the right first home starts with a price range and a short list of desirable neighborhoods. But there are many other factors you'll need to consider before investing in what may be your biggest asset.


• How Much Can You Afford? - Before you start touring homes for sale, it's important to start off with a budget so you know how much you can afford to spend. Knowing what mortgage payment you can handle will also help you narrow the field so you don't waste precious time touring homes that are out of your reach.


• No-obligation personalized home valuation - Pamella and Gary are happy to offer a free no-obligation estimate of the value of your home as well as information about home prices in Calabasas. Feel free to call us at (818) 425-1329 or use the contact form for more information.

Prudential offers excellent web-based financial calculators:

• How much home can I afford? - Enter your down payment and monthly payment amounts.


• Am I eligible for the first time homebuyer credit for 2009? - The first-time homebuyer credit is a refundable tax credit available to first-time homebuyers who purchase a home between April 9, 2008 and June 30, 2009. The credit may be taken on a 2008 tax return even if the home is purchased in 2009. Beginning with the second year after the year in which the credit is claimed, one-fifteenth of the credit must be paid back. The repayment is done through an addition to the tax of the homebuyer each year for fifteen years at which time the credit would be fully repaid. This credit may be thought of as a fifteen year interest-free loan.


• Am I better off renting? - In some cases, renting may be cheaper than buying. For example, renting often requires a smaller monthly cash outflow. But owning builds equity, which boosts your personal net worth. Renting does not create net worth.


• How much will my mortgage payments be? - Fixed rates.


• How much will my mortgage payments be? - Adjustable rates.


• How much can I save in taxes? - This calculator shows your average yearly tax savings on a mortgage loan and calculates your after-tax interest rate on the loan.


• Which is better a 15yr or 30yr loan? - Calculates monthly payments for two fixed-rate mortgage loans and helps you determine which loan is the better deal. A shorter loan term generates less mortgage interest, reducing your mortgage interest deduction. It also requires you to make larger monthly payments.


• We work with the best! - Pamella and Gary work with the best mortgage brokers, escrow agents, loan officers and movers in Los Angeles, and would be happy to provide a referral so you can learn exactly how much home you can afford. Call us at (818) 425-1329 or use the contact form for more information.

• Exclusive Access - Pamella and Gary can get you in to see any home on Realtor.com and also have information on homes not yet in MLS through their connections with other real estate agents. Call us at (818) 425-1329 or use the online contact form for more information.