Friday, September 16, 2022
Wednesday, September 14, 2022
Saturday, September 10, 2022
Friday, August 19, 2022
Wednesday, August 10, 2022
This was our second time summiting Mount Rose -- while this was the highest elevation peak of our weekend, it was the easiest and least-technical climb with a well-marked and manicured trail.
We had attempted to summit Granite Chief several years ago and actually got a little lost that time...whoops! During that prior hike there was still snow on the ground and we could not find the trail markers. With no snow this time around, the trail was less confusing to navigate. It was beautiful! And the most difficult of the three hikes of the weekend. That last half mile or so is STEEP!
Mount Lola was the most beautiful hike of the weekend. We had a tough time finding the trailhead, it was raining, and we nearly aborted the hike before it started! But, we did find the trailhead and the rain let up. What a gorgeous hike -- the wildflowers were in full bloom and it was truly amazing. We saved the best for last.
Shout out to my awesome assistant Sean who helped my clients while Greg and I goofed off. Gotta get away!
Wednesday, July 27, 2022
Livestream Interview with Ryan Lillis of the Sacramento Bee about the local housing market, strategies to sell and buy homes, and more...
Sacramento Bee reporter Ryan Lillis this last week about Sacramento real estate, strategies for listing your home, negotiating the purchase of a home, etc in today's local market conditions. Catch the recorded interview replay here.
Monday, July 18, 2022
Based on current rates, based on her downpayment, credit score, and the rest of her lending scenario -- she was quoted a 5.5% interest rate from a local lender. Then she went online, clicked on an ad, and was quoted 4.375%. WOW was she excited.
I asked her to send me the estimate provided by that lender, and sure as anything -- it was indeed (excuse my French) COMPLETE BS.
The online lender who shall remain nameless -- in order to get this bait and switch interest rate -- was charging $14,573 in up-front fees to get that rate. That is approximately 4.396% of the loan amount of $330,000. Absolutely insane.
That 5.5% interest rate she had been quoted by the local lender was with zero in up-front fees.
The lesson here? Read the fine print. Compare apples to apples. And if you do not understand what you are looking at -- ask the loan officer to explain it to you. Ask your agent to help you. Ask a friend or family member who has purchased a home in the past to help you.
Once I pointed this out to my client she was absolutely horrified! She decided to stick with her local lender, who is awesome and invited her into the office to make sure she had a clear understanding of rates and terms.