Sacramento Real Estate and Community News

Sept. 2, 2021

Getting Top Dollar On Your Home Sale With RealVitalize

Would you like to sell your home but don't have the money to get it market-ready? In this episode of Rescue Me, I’m going to share a fantastic solution that will help you sell your home with no upfront cost to you. I’ll explain how the program works and show you how you can get started. All About RealVitalize As a realtor with Coldwell Banker, I offer a program called RealVitalize. With RealVitalize, you can fix up your house and get it ready to sell with no hidden fees, no upfront costs, and no interest. Coldwell Banker will cover the cost of the repairs, and you will pay them back at the end of the sale of your house.

 

 

Here's how the program works. Coldwell Banker has teamed up with Angie's Network, a network of over 214,000 home improvement specialists. Their only job is to make your home shine. Since there are over 500 different service categories in Angie's Network, almost any project you'd like to have completed can be handled. How It Works Here's how you get started with this program. Give me a call and I'll come over so we can walk through your property. We'll discuss what repairs and improvements will get you the best return when you sell your home. Once we have a good idea of what projects you'd like to have done, we’ll enroll you in the program. Within a day or two, you'll be contacted by a project manager. That project manager will oversee the entire process, helping you choose the right contractors and the right professionals for your project. The two most common questions that I get are what kinds of projects can I have done to my property and how much money can I borrow. The great news is that there's no minimum project cost. We can have little things done, like getting your house cleaned or having some junk removed from the backyard. We can also go much larger, repainting, putting new carpets down, installing new appliances in the kitchen, or even doing a total bathroom or kitchen remodel. What kind of budget do you have to work with? That depends on the price of your home, but it could be as high as $50,000. We can talk a little bit more about budget when we meet. Let’s Get Started RealVitalize is a pretty straightforward program. You get some money, you fix up your house, and you sell it for even higher than you would have before it was fixed—repaying Coldwell Banker at the end of your sale. If you'd like a little more information on this program, feel free to give me a call and I’d be happy to connect with you. Remember, when you sell with me, you don't just get great service. You'll be helping a dog get out of the shelter and into their new backyard. Don’t forget to also subscribe to my channel so you never miss an episode of Rescue Me. Stay tuned to see what I feature next!

Sept. 1, 2021

What You Can Do Right Now To Prepare for Homeownership

 

What You Can Do Right Now To Prepare for Homeownership | MyKCM

As rent prices continue to soar, many renters want to know what they can do to get ready to buy their first home. According to recent data from ApartmentList.com:

The first half of 2021 has seen the fastest growth in rent prices since the start of our estimates in 2017. Our national rent index has increased by 11.4 percent since January . . . .”

Those rising rental costs may make it seem impossible to prepare for homeownership if you’re a renter. But the truth is, there are ways you can – and should – prepare to purchase your first home. Here’s some expert advice on what to do if you’re ready to learn more about how to escape rising rents.

Start Saving – Even Small Amounts – Now

Experts agree, setting aside what you can – even smaller amounts of money – into a dedicated savings account is a great starting point when it comes to saving for a down payment. As Cindy Zuniga-Sanchez, Founder of Zero-Based Budget Coaching LLCsays:

“I recommend saving for a home in a ‘sinking fund’ . . . . This is a savings account separate from your emergency fund that you use to save for a short or mid-term expense.

Zuniga-Sanchez adds saving in smaller increments can help make a large goal – such as saving for a down payment –achievable:

“Breaking up your goals into smaller bite-sized pieces by saving incrementally can make a large daunting number more manageable.”

Assess Your Finances and Work on Your Credit

Another tip experts recommend: take a look at your overall finances and credit score and find ways to reduce your debt. According to the HUD, the average credit score of first-time homebuyers is 716. If you’re not sure what your credit score is, there are numerous online tools that can help you check. If your score is below that average, don’t fret. Remember that an average means there are homeowners with credit scores both above and below that threshold.

If you find out your score is below the average, there are several ways to improve your credit before you apply for a loan. HUD recommends reducing your debt as much as you can, paying your bills on time, and using your credit card responsibly.

Start the Conversation with Your Advisor Today

Finally, it’s important to talk to someone who understands the market and what it takes to become a first-time homebuyer. That’s where we come in. A trusted advisor can help you navigate your specific market and talk you through all the available options. Having the right network of real estate and lending professionals in your corner can help you plan for the homebuying process as well as determine what you can afford and how you can get pre-approved when you’re ready.

Most importantly, we can help you understand how homeownership is achievable. As Lauren Bringle, Accredited Financial Advisor with Self Financial, says:

“Don’t write home ownership off just because you have a low income . . . . With the right tools, resources and assistance, you could still achieve your dream.”

Bottom Line

If you’re planning to be a homeowner one day, the best thing you can do is start preparing now. Even if you don’t think you’ll purchase for a few years, let’s connect today to discuss the process and to set you up for success on your journey to homeownership.

Aug. 27, 2021

Your Checklist To Get Ready To Sell [INFOGRAPHIC]

 

Your Checklist To Get Ready To Sell [INFOGRAPHIC] | MyKCM

Some Highlights

  • When it comes to selling your house, you want it to look its best inside and out.
  • It’s important to focus on tasks that can make it inviting, show it’s cared for, and boost your curb appeal for prospective buyers.
  • Let’s connect to make sure your house shows well and catches a buyer’s eye.
Aug. 26, 2021

Luna Has Been Adoted

Aug. 24, 2021

The Home Buying Process.. Explained!

 

 

Are you looking to buy a home in Sacramento and want to make the best financial decision? In this episode of Rescue Me, I'm going to rescue you from making a bad financial decision when it comes to buying a house. I’ll introduce you to my Buyer’s Learning Center to give you the best education on the home buying process.

The Buyer’s Learning Center

Buying a home is probably the largest financial decision you will ever make. If you don't take the time to learn about the process, you could potentially lose thousands of dollars. The good news is I’m here to help. I'm going to make you the most educated buyer in the marketplace with my program, The Buyer’s Learning Center.

The Buyer's Learning Center is a series of videos I've created to help you educate yourself about the entire process of buying a home. I’ll answer questions like, how much home can I afford? How much will my closing costs be? What's escrow, and do I need title insurance? I'm going to answer as many questions as I can to make you the most educated buyer in the marketplace. 

All Your Questions Answered

If you have a question, I hope to have a video that will answer that question for you. If I don't have a video, chances are one's coming soon. If you have questions and don't want to wait for a new video, please reach out. You can call, text, or email and I'm always happy to help.

With the knowledge gained from these videos, I hope you will feel comfortable knowing you have made the best financial decision when it comes to buying your new home. Please watch as many videos as you'd like, and I'd love for you to subscribe to my YouTube channel. Make sure to click the bell so you'll be notified when new videos come out. 

 

Remember, I'm the Adopt A Dog realtor. When you use me to buy a house, not only will you get a fantastic property, you'll be helping a dog get out of the shelter and into their new backyard. Stay tuned for the next episode!

 

Home Buyer Videos:

 

The 9 Steps Of The Home Buying Process - Click Here

 

What You Need To Get Preapproved For a Home Loan - Click Here

 

How Much Does It Really Cost To Buy a Home - Click Here

 

How Much Should I Spend On a House Payment - Click Here

 

How To Use The Buyer's Triangle To Find The Perfect Home - Click Here

 

6 Quick Tips So You Don't Lose Your Home Loan - Click Here

 

Buy a House, Save a Dog - Click Here

Aug. 23, 2021

What Do Experts Say About Today’s Mortgage Rates?

Mortgage rates are hovering near record lows, and that’s good news for today’s homebuyers. The graph below shows mortgage rates dating back to 2016 and where today falls by comparison.

What Do Experts Say About Today’s Mortgage Rates? | MyKCMGenerally speaking, when rates are low, you can afford more home for your money. That’s why experts across the industry agree – today’s low rates present buyers with an incredible opportunity. Here’s what they have to say:

Sam Khater, Chief Economist at Freddie Macpoints out the historic nature of today’s rates:

“As the economy works to get back to its pre-pandemic self, and the fight against COVID-19 variants unfolds, owners and buyers continue to benefit from some of the lowest mortgage rates of all-time.”

Mark Fleming, Chief Economist at First Americantalks about how rates impact a buyer’s bottom line:

“Mortgage rates are generally the same across the country, so a decline in mortgage rates boosts affordability equally in each market.”

Danielle Hale, Chief Economist at realtor.com, also notes the significance of today’s low rates and urges buyers to carefully consider their timing:

Those who haven’t yet taken advantage of low rates to buy a home or refinance still have the opportunity to do so this summer.”

Hale goes on to say that buyers who don’t act soon could see higher rates in the coming months, negatively impacting their purchasing power:

“We expect mortgage rates to fluctuate near historic lows through the summer before beginning to climb this fall.”

And while mortgage rates are still low today, the data from Freddie Mac indicates rates are fluctuating ever so slightly right now, as they moved up one week before inching slightly back down in their latest release. It’s important to keep in mind the influence rates have on your monthly mortgage payment.

Even small increases can have a big impact on what you pay each month. Trust the experts. Today’s rates give you opportunity and flexibility in what you can afford. Don’t wait on the sidelines and hope for a better rate to come along; the rates we’re seeing today are worth capitalizing on.

Bottom Line

Mortgage rates hover near record lows today, but experts forecast they’ll rise in the coming months. Waiting could prove costly when that happens. Let’s connect today to discuss today’s rates and determine if now’s the time for you to buy.

Aug. 16, 2021

Citrus Heights Farmer's Market

 

I visited the Farmer's Market in Citrus Heights over the weekend. Come along for a little tour...

The Sunrise Mall Farmers Market is a year-round, rain or shine California Certified Farmers Market. The market will run every Saturday from 8 AM to 1 PM.

Aside from locally and organically grown fruits and vegetables the market will also include specialty food vendors including pastas, breads, salsas, hot and ready to eat prepared food, pre-packed food, etc.

At this market you can expect live music, cooking demonstrations, artisan and craft fair events, health and wellness fairs, and so much more. Dog friendly, too- fun for the whole family.

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Tim Pantle

Email: tim@timpantle.com

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Website: https://www.timpantle.com/

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Posted in Community News
Aug. 6, 2021

Meet Turkey and Dumpling

Aug. 5, 2021

Partnering With Front Street Animal Shelter For My Adopt-A-Dog Program

 

Did you know that I sponsor a dog’s adoption with every home I sell? In this video, I’m going to explain how my program with Front Street Animal Shelter works to help Sacramento dogs find their forever homes. I’ll also introduce you to Calvin and Marvin, one of the many success stories of the program.

Sponsoring Dog Adoptions With Every Home Sale

There are a lot of animal shelters in the Sacramento area, with Front Street one of the largest. If you lose your dog or have to give them up for some reason, there's a good chance they'll end up at Front Street. Each year, about 5,500 dogs end up going through this shelter, and they do an amazing job of trying to find the families of those lost dogs.

With a few thousand dogs each year that need to find homes, I want to do everything I can to make sure every one of them finds a home and a new backyard. In my program, I sponsor a dog's adoption at the Front Street Animal Shelter with every home I sell. Once I've paid for their adoption fee, the dogs are usually out of the shelter and in their new backyard within two weeks. One of the things I'm very excited and proud about is the fact that in just two short years, I've been able to help over 100 dogs get out of the shelter and into a new home with their family.

Creating Lasting Friendships

Nothing makes me happier than seeing these dogs join their new families, and I'm often asked how did this program got started. Have you ever had an idea that just kind of sits in the back of your head and doesn't really go anywhere? This program was that idea in my head. I thought about it for a long time, but nothing happened until one fateful day. I went on a listing appointment and found out that one of the owners volunteered at the Front Street Animal Shelter. I told her a little bit about my idea and with one phone call, the adopt a dog program was born.

The biggest problem a lot of these dogs have is that people think they're damaged. That's simply not the case. Some of them might have lost their vision. Some are a little nervous because they've been in the shelters for a while and they're a little skittish around people. Despite this, all they need is a little love and they open right up.

One of the most touching stories I’ve heard comes from Calvin. Calvin recently had an organ transplant and was fighting a little bit of depression after his operation. He really struggled to want to get out of bed in the morning. One day, though, he visited the Front Street Animal Shelter's website and he saw Marvin. Calvin said there was an instant connection and, within a few days, Calvin and Marvin were best friends. Calvin's depression even went away.

Marvin is only one of over a hundred dogs that have found homes through the program—though there are lots more to find homes for. I'm very proud that I get to help people buy and sell real estate, but I'm even more proud that I know over a hundred dogs are curled up at home with their new families and I had a small part in making that happen.

Your Adopt-A-Dog Realtor

Now that you have a better idea of how the adopt-a-dog program was created and how it works, I hope you'll help me spread the word about the dogs that are looking for homes. I post every dog I sponsor on my Facebook page and I ask people to share those posts. The more people that see the dogs, the better chance they have of being adopted quickly.

If you're interested in buying or selling real estate, please give me a call. I'm always happy to help buy or sell a home and save another dog. And if you have any other questions about the adopt-a-dog program or real estate in Sacramento, please reach out and I’ll be happy to help!

July 28, 2021

Free Vaccinations And Microchipping At The Front Street Animal Shelter

Did you know that the Front Street Animal Shelter offers a free vaccine and microchip clinic for City of Sacramento residents every month? In this video, I’m going to chat with Haley from the Front Street Animal Shelter to learn all about their free resources for Sacramento’s four-legged residents. We’ll also find out how owners can take advantage of this program to keep their pets healthy and safe.

 

Vaccinations And Microchipping

Vaccinations and microchipping are important parts of every pet’s health and safety. Each month, the Front Street Animal Shelter puts on a free vaccine and microchip clinic. The shelter rotates locations throughout the Sacramento area, helping pet owners get the resources that they need for their furry friends.

The shelter is able to provide microchips, rabies vaccines, FVRCP vaccines, and DHPP vaccines to pets free of charge. They also offer a variety of additional resources like dog beds, dog houses, leashes, collars, and pet food—all for owners in need. There's no charge, and anybody who needs assistance that lives within city limits can stop by the shelter for these items.

Visit The Front Street Animal Shelter

Sacramento residents can find information for the clinics at the Front Street Animal Shelter’s website.  There, pet owners can check out the dates and times of the clinics. No signups are required; all they need to do is show up in the morning. The vaccines and microchipping are all first-come, first-serve.

I hope you've enjoyed learning about this vaccination and microchip clinic. If you don’t already have a furbaby, the Front Street Animal Shelter is home to many cute little dogs and adorable cats that are waiting for their forever home. For current owners, remember: it’s absolutely free to people that live in the city of Sacramento. They hold these clinics once a month, providing an amazing resource to pet owners.

Click Here for info on upcoming clinics - Click Here

Don’t forget to subscribe to my channel so you never miss an episode of my show. Stay tuned to see what I feature next!