New Listing - 325 Mette Court, Folsom, CA 95630

Well-maintained by the original owners for over two decades, this charming 3-4 bedroom, 2.5 bathroom, 2,180sf Prairie Oaks Folsom home is ready for a new owner! You will love the open, light and bright floorplan. Enter to find a lovely living room and picture window overlooking the front yard. The living room opens to a stunning family room with fireplace, and remodeled kitchen with white cabinets, breakfast bar, full backsplash, custom lighting, and pantry. Laminate floors throughout. At the top of the stairs find a large loft/possible 4th bedroom, and large hallway bedrooms. Lots of storage space. Envious primary suite that easily fits your Cal King bed and then some, with remodeled ensuite bathroom with dual sinks / vanities, huge closet, separate stall shower and soaking tub. Remodeled hallway bathroom with tub/shower combo and extra half bathroom downstairs. The backyard is an outdoor oasis with a built-in pool. Relax under the shade of the covered patio or canopy of trees, or in your sunny garden. There are abundant options for coffee and conversation, or the perfect al fresco dining on a crisp evening. All this on a cul-de-sac lot within close proximity to award winning Sandra J. Gallardo Elementary and Folsom High School, the Folsom Premium Outlets, Hwy 50 and more. Don't wait! Offered at $775,000. For more photos, additional detail, and a 3D Virtual Walkthrough, please visit 325 Mette Court, Folsom, CA 95630.

Just Listed - 7662 Highland Avenue, Citrus Heights, CA 95610

Stunning semi-custom 4 bedroom, 2.5 bathroom, 2,393sf home in Citrus Heights! Built in 2018, you will love the light and bright floorplan and open layout. Enter to find an enviable great room with glass doors that open to the backyard, inviting the outside in. The great room has a custom built-in entertainment wall and shelving, which is a perfect centerpiece to the space. The great room opens to the stylish kitchen, which has a lovely breakfast bar, granite countertops, full tile backsplash, pantry, and stainless-steel appliances. Large hallway bedrooms. Lots of storage! Large hallway bathroom with modern decor, and convenient half bathroom off the entryway. The primary bedroom has a wet bar and wine fridge, while the ensuite primary bathroom boasts dual sinks, separate soaking tub, and large tiled walk-in shower. Laminate flooring throughout. Situated on nearly 1/3rd acre, the backyard is an outdoor oasis with a terraced stamped patio, surrounded by manicured gardens. Relax under the shade of the covered patio or canopy of trees, or in your sunny garden. There are abundant options for coffee and conversation, or the perfect al fresco dining on a crisp evening. Huge shed/workshop with power offers additional storage. All this is located in a serene setting close to the conveniences you love. Don't wait! Offered at $749,900. For more photos, detail, and a 3D virtual tour, please visit 7662 Highland Avenue, Citrus Heights, CA 95610.

Busy time at the California and National Associations of REALTORS board meetings!

It has been a busy last couple of weeks! I serve on the California Association of REALTORS® (C.A.R.) Board of Directors, and the National Association of REALTORS® (NAR) Board of Director, and for the last couple weeks in addition to helping my clients buy and sell like any typical agent would, I have also been helping craft policy positions and advocate on behalf of my profession and homeowners.

In addition to being a Director on the Board, at C.A.R. I am the Vice Chair of the Federal Issues policy committee. This committee advises the C.A.R. board as to what federal policies to advocate for in conjunction with NAR. Pretty cool stuff.

In addition to being a Director on the Board, at NAR I am the Chair of the Federal Taxation policy committee. Last week my committee and our Board of Directors moved internal policy forward to advocate for reduced capital gains for owners of single family and 2-4 unit rental properties who sell to owner-occupants...

It is pretty exciting to be on the forefront of advocating on behalf of our nations 1.5M+ REALTOR® members and millions of property owners. As someone with a Masters Degree in Public Policy, operating at such a high level to advocate for policies that increase homeownership is really awesome. Our next meetings are in the fall and I can't wait!

Just Listed - 3852 Kroy Way, Sacramento, CA 95820 (Tahoe Park)

Well-maintained, this 3 bedroom, 1.5 bathroom, 1,173sf Tahoe Park Charmer is ready for a new owner! You will love the open, light and bright floorplan. Enter to find a lovely living room with cozy fireplace and picture window overlooking the front yard. The living room opens to a stunning remodeled and enlarged kitchen with white cabinets, stainless steel appliances, stone counters, a second prep sink, a center island, and marmoleum floors. Original wood floors throughout the living areas. Front bedroom has ensuite updated half bathroom. Large hallway bedrooms, and remodeled hallway bathroom with tiled tub/shower combo. French doors and dual-pane windows add to the home's energy efficiency and charm. Inside laundry, and an oversized one-car garage with lots of extra storage space. The long gated driveway provides ample off-street parking. Situated on an enormous lot with mature trees, this home is perfect for outdoor entertaining, and has LOTS of space to garden, tend to chickens, or play! Location is within close proximity to parks, schools, shops, restaurants, UCDMC, Sacramento State University, public transportation, and easy freeway access with a straight shot to Downtown. Don't wait! Offered at $529,900. For more photos, detail, and a 3D virtual tour, please visit 3852 Kroy Way, Sacramento, CA 95820.

Just Listed - 907 Rio Robles Avenue, Sacramento, CA 95838

This beautiful 3 bedroom, 2 bathroom, 1,673sf North Sacramento home boasts an open floor plan with plenty of natural light. You will love cooking in the large kitchen with granite counters, gas range, ample counter space, and a breakfast bar that opens to the living area. Custom window shutters throughout home. The living area is freshly painted and features vaulted ceilings and laminate and tile flooring, creating a seamless flow from room to room. Large bedrooms. Hallway bathroom has a large vanity with granite counters, and a tub/shower combo. Indoor laundry room. Retreat to the spacious primary suite complete with a luxurious ensuite bathroom featuring a large soaking tub, tile shower stall, dual sinks, and walk-in closet. With a huge nearly quarter acre yard there is a lot of sunny space to garden or play! Large covered patio and HUGE storage shed. Attached 2-car garage, remote-controlled gate. All this within close proximity to the Sacramento Northern Bike Trail, parks, schools, Bell Acqua, and more! Don't miss out on the opportunity to make this house your home! Offered at $475,000. For more photos, detail, and a 3D virtual tour, please visit 907 Rio Robles Avenue, Sacramento, CA 95838.

New Listing - 7413 Mar Vista Way, Citrus Heights, CA 95621

Owned by the same family for nearly 25 years, this well-maintained 3 bedroom, 2 bathroom, 1,106sf Citrus Heights home is the perfect blank canvas for your personal touches. You will love the spacious, light and bright floorplan, dual pane windows and laminate flooring. Large living room overlooks the front yard. Enviable kitchen features lots of counter space, and has an adjacent formal dining area. Large hallway bedrooms! Primary suite has lots of closet space and an ensuite bathroom with a stall shower. Large covered patio space is the perfect place to enjoy coffee and conversation, or for al fresco dining while entertaining guests on a crisp evening. Big backyard with lots of sunny space to garden or play. Attached 2-car attached garage. Newer central heat and air, and newer water heater. Composition roof. All this located in close proximity to I-80, public transportation, k-12 schools, shopping, restaurants, & more. Don't wait! Offered at $399,900. For more information and a 3D Virtual Tour, please visit 7413 Mar Vista Way, Citrus Heights, CA 95621.

California Dream For All Downpayment Assistance Shared Appreciation Loan - administered through the California Housing Finance Agency (CalHFA)

The "California Dream For All" Downpayment Assistance Shared Appreciation Loan was released this week via the California Housing Finance Agency (CalHFA) to a lot of excitement and fanfare. Candidly, this is a super unique state-funded program and I think it may be the first of its kind in the US. Funded by a state budget allocation, California is going all in to help first time buyers afford homes. I should say that funding for this program is limited and will likely run out, so if this interests you DO NOT wait.

Buyers who qualify may receive up to 20% of the purchase price of the home (or appraised value, whichever is less) to use as downpayment or closing costs. The 20% is a "silent second" -- meaning you borrow the funds however payments on this second mortgage are deferred for the life of the first mortgage loan. If you were to refinance the loan or sell the home at a later time, the funds must be repaid and a 15% or 20% share of the home's appreciation must be paid as well. The share of the home's appreciation that is due at the time of sale or refinance depends on the income level of the borrower.

Borrower Requirements 

• Be a first-time homebuyer. (CalHFA defines this as someone who has not owned and occupied their own home in the last three years)
• Occupy the property as a primary residence; non-occupant co-borrowers are not allowed. 
• CalHFA borrowers must complete two levels of homebuyer education and homebuyer counseling and obtain a certificate of completion through an eligible homebuyer counseling organization. 
• Meet CalHFA income limits for this program. (In Sacramento County, Placer County, and El Dorado County, the income limit is currently $202,000. In Yolo County, the limit is currently $211,000)

Property Requirements

• Be a single-family, one-unit residence, including approved condominium/PUDs 
• Guest houses, granny units and in-law quarters may be eligible 
• Manufactured housing is permitted 
• Condominiums must meet the guidelines of the first mortgage

There may be other requirements as well. To apply, since CalHFA is not a direct lender, their programs are offered through private loan officers who have been approved & trained by CalHFA. I know and have worked with several lenders who are approved to provide this program -- feel free to reach out to me at erin@erinstumpf.com or 916-342-1372 and I can connect you with one, or you can search CalHFA's lender directory here.

CalHFA offers NUMEROUS homebuyer downpayment and closing costs assistance programs, so they have a variety of programs if this one is not the best one for you. 

Once you are pre-approved for your purchase, we can start the fun part -- shopping for your home.

New Listing - 625 Regginald Way, Sacramento, CA 95838

Loved by the same family for over 25 years, this 4 bedroom, 2 bathroom, 1,258sf home is ready for a new owner. Adorable fixer-upper that is the perfect blank canvas for your personal touches and renovation. You will love the light and bright floorplan, newer dual pane windows, spacious living room with large picture window overlooking the front yard. Cute kitchen has lots of storage space. Large primary bedroom has an ensuite bathroom and a big walk-in closet. Attached 2-car garage. HUGE backyard with lots of sunny space to garden or play. The possibilities are endless! Location location location, with close proximity to public transportation, shopping, restaurants, schools, Robla Community Park, convenient freeway access, and more! Don't wait! Offered at $349,900. For more photos and a 3D virtual tour, please visit 625 Regginald Way, Sacramento, CA 95838.