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By Pearl Ahlquist-Ruby

Real Estate Agent - 1St Choice Realty & Associates Your Home Sold Guaranteed - 01149313

Pearl Ahlquist Rudy has been in the Real Estate industry for over 23 years. Whether you’re a first time Pearl Ahlquist Ruby Fair Oaks Real Estate buyer, or an experienced investor. You’ll find useful information about how to choose the “right” property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed home buying decision in today’s market. If you currently own property and are thinking about selling it, this website contains information about preparing your home for sale, selecting the right agent, pricing your home appropriately, marketing it effectively, going through the inspection process, and receiving a timely market evaluation. Sacramento County is included in the Sacramento – Roseville – Arden – Arcade, CA Metropolitan Area. The county covers about 994 square miles in the northern portion of the Central Valley, on into Gold Country. Sacramento County extends from the low delta lands between the Sacramento River and San Joaquin River north to about ten miles (16 km) beyond the State Capitol and east into the foothills of the Sierra Nevada Mountains. El Dorado County has grown as Greater Sacramento has expanded into the region. In the unique Lake Tahoe area of the county, environmental awareness and environmental protection initiatives have grown along with the population since the 1960 Winter Olympics, hosted at Squaw Valley Ski Resort in neighboring Placer County.

RECENT BLOG POSTS

Letter of Reccomendation From a buyer of a Short Sale.

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Dear Pearl,I don't know how to thank you for everything you did for me and my family. A thank you doesn't seem to be enough.I am a single Mom who really wanted a home for me and my children. I found a home listed with you as a "Short Sale". At the time I had no idea what that meant except this wa...

10/18/2007

Letter of Reccomendation

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First of all, I'd like to THANK you for helping Danny and I all throughout our Short Sale transaction.You are indeed the Realty Doctor!I'm so relieved that I don't have to worry about foreclosure no more. I may not have been in direct contact with you most of the time, (thanks to Danny!) so I'd l...

10/18/2007

Balance is essencial to a good FICO score.

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Credit Break DownHeres a basic chart to kind of live by.1. Your Payment history is 35 % of your Score.2. Amounts owed or the limits perfered limit should be 30% the the % that effects your score is also 30%.3. Types of credit cards 10%.4. New credit 10%.5. Lenth of your credit existing 15%.D...

10/09/2006

Basis for good Credit 700+

5 Comments

Most lenders want to see.3 Major credit cards for 12 to 24 months with no lates (visa, master card).2 Minnor credit cards 12 to 24 months of course the longer the better (target, kohls, gas card, jc pennys ect.)And a third of the balance used or less but not zero.Having installment loans only lik...

10/08/2006

How do I get a 700+ FICO

3 Comments

Most people think that if they pay their credit cards then why don't they have a 700+ FICO score? this is because people don't understand credit, the sad thing is why does it have to be such a secret.Did you know that the credit bureaus actually bets on a monthly or bi-monthly basis on the likely...

10/07/2006

What is a FICO score?

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What is a FICO score?A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likeihood that credit users will pay their bills. Fair, Isaac began its pioneering work with credit scoring in the late 1950s and, since then, scoring has become widel...

10/07/2006

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Pearl Ahlquist-Ruby

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Pearl Ahlquist Rudy has been in the Real Estate industry for over 23 years. Whether you’re a first time Pearl Ahlquist Ruby Fair Oaks Real Estate buyer, or an experienced investor. You’ll find useful information about how to choose the “right” property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed home buying decision in today’s market. If you currently own property and are thinking about selling it, this website contains information about preparing your home for sale, selecting the right agent, pricing your home appropriately, marketing it effectively, going through the inspection process, and receiving a timely market evaluation.