Tuesday, June 20, 2017

Price Reduced 20K!



1248 Jorgenson Drive
Lincoln




RARE FIND in the Fosket Ranch has NO MELLO ROOS and NO HOA! Excellent open floor plan with downstairs bedroom. Full 4 Bedrooms plus a large bonus room. Special lot on the GREENBELT affords privacy and serene views. 

4 Beds| 3 Baths | 2740 Square Feet

Now offered at $479,995

Contact me for details!

sarah@sarah-ratliff.com
530-391-1576


Wednesday, June 14, 2017

Just Listed!

Just Listed 
By the Discover Joy in Real Estate Team


1248 Jorgenson Way
Lincoln



4 Beds | 3 Baths | 2740 Square Feet

RARE FIND in the Fosket Ranch has NO MELLO ROOS and NO HOA! Excellent open floor plan with downstairs bedroom.




Full 4 Bedrooms plus a large bonus room. Special lot on the GREENBELT affords privacy and serene views. This one won't last!



Offered at 499,000






3741 Los Santos Drive
Cameron Park


3 Beds | 2 Baths | 1980 Square Feet

LARGE single story starter home or investor opportunity. Vaulted ceilings with wood beams add volume to the open floor plan.



Newer HVAC and rear deck. Back yard is park-like and HUGE with plenty of room for a pool. CLOSE proximity to HWY 50 and GREAT SCHOOLS make this home the one for you!

Offered at 409,000


Contact Sarah me for details!
530-391-1576
sarah@sarah-ratliff.com

Wednesday, June 7, 2017

On the Market Tomorrow 6/8/17!

3180 Country Club Drive, Unit 1A
Cameron Park

2 Beds | 2 Baths | First floor Unit

HOA Covers: Water, trash, landscaping, pool, spa, 
maintaining the exterior of the building, roof, and carports!

Contact me for more information
530-391-1576 | sarah@sarah-ratliff.com




I am partnering with Stephany from Guild Mortage to get you the loan you need for this condo!
Guild has no owner occupancy rates for condos- which is usually a number one requirement for lenders to lend on a condo!
Also!! Guild will gift you 2% of the purchase price if you bring 1% down. 
Contact Stephany for details!!




Saturday, June 3, 2017

Just Listed! Adorable First Floor Condo in Timberlake!

903 Fulton Ave, Unit 407
Sacramento



Fabulous condo on the first floor of the exclusive Timberlake Waterfront Community! This property has been COMPLETELY UPDATED with new Cabinetry, Granite countertops, Laminate and Tile flooring, new Doors, Lighting, Bathroom and NO POPCORN ceilings!  



HOA covers water, sewer, gas, trash, common areas, exterior, and multiple pools and hot tubs! Prime location near great restaurants and shopping, UC Davis, Sacramento State and public transportation.



Contact me for more information on this great unit! 
530-391-1576 | sarah@sarah-ratliff.com



I am partnering with Stephany from Guild Mortage to get you the loan you need for this condo!
Guild has no owner occupancy rates for condos- which is usually a number one requirement for lenders to lend on a condo!
Also!! Guild will gift you 2% of the purchase price if you bring 1% down. 
Contact Stephany for details!!



Friday, June 2, 2017

Road Map to Purchasing Your Own Home

After working in real estate for a while, I have realized that one of the questions I get asked most frequently is, "Can you explain a little bit more about the home buying process?" or even, "What's the next step?" More often, this is with new buyers, but I am also getting asked by clients who have purchased a home in the past as well.
The home buying process just isn't clear.
I have here this handy-dandy little road map in order to better outline the home buying process.


Step One: Find a Real Estate Agent you want to work with for the next few months. The easiest way to do this is to ask your friends and family if they know anyone or if they have a great agent they have used in the past. They probably do! 
After you have connected with your agent, work with them to make a list of everything you need in your new home: single story, 3 bedrooms, a pool, close to work, whatever your requirements are. Then make a list of wants. Your agent will work with you to find homes in your area. 

Step Two: Partner with a lender to find out how much of a loan you qualify for. You can use your bank (Chase, Wells Fargo) or any other lender you prefer. A lot of the time, you can ask your Real Estate Agent if they have a lender they use and trust. Don't be afraid of this step! Your loan officer will take all kinds of things into account- income, debt to income ratio, savings, your credit score, and many other things in order to determine the amount you qualify for. Once you have the number, you can take that back to your Real Estate Agent. They will take this into account when they do your search for homes. Maybe you can still get the single story close to work, but you can't afford the pool. Or maybe your credit score is better than you thought and you can get a pool and a 3 car garage. You just have to find out. 

Step Three: Work with your Real Estate Agent to look for homes in your area. Your agent will work diligently to make sure you see everything that comes up in your price range. You can see the homes in person with your Real Estate Agent, or just look at them online and tell them if you know you don't like them right away. You can give your agent feedback on the homes you have seen so they can narrow down your criteria even further and weed out homes you don't like. 

Step Four: Once you have found the perfect home, let your Real Estate Agent know and together you can write an offer. Your agent will help you define the "terms" you want to put into your offer, such as the purchase price of the home, your down payment and loan amount, contingency periods, and what you as the buyer will pay for (For example, do you want to offer to pay the escrow fees for the seller? Do you want to ask the seller to buy you a home warranty? These are the items your agent will discuss with you while you are writing the offer.) Usually, you will need a copy of your pre-approval letter from your lender to go with your offer as well as your proof of funds for your down payment, and, in some cases, a check written to the title company in case your offer gets accepted. 

Step Five: Your Real Estate Agent will work with the listing agent on the property to negotiate the terms of the contract. Your agent will be working with your best interest in mind to make sure you get the terms you need and want out of the contract. The listing agent will be trying to negotiate the same for the seller, so sometimes you may have to compromise if you really want the house. 

Step Six: You and the seller have agreed on all the terms of the contract, which means you now have an "executed contract" and are going to open escrow on the house. Your purchase has officially begun! Your Real Estate Agent will provide you with a timeline that outlines the contract, usually providing you with the dates you will need to know- when you need to do drop off your deposit to the title company, when you 

Step Seven: It is time to meet with your team of professionals to get started- meet with your lender again to begin the loan process and order the appraisal. Your lender will be collecting all the documents they need from you and sending your loan to their underwriting department. You can begin getting insurance quotes for the house. Meet with your Real Estate Agent to discuss what inspections you would like to do on the house. For example, you may want to do a whole house inspection, or a roof inspection, or if the house has a pool, a pool inspection. There are all sorts of things you can look into regarding the property. You need to do your due diligence to make sure this is the home you want to buy and your Real Estate Agent will take care of getting everything scheduled at your convenience. 

Step Eight: You have done your due diligence and decided you want to move forward to purchase the home. Your Real Estate Agent will meet you at the property one last time to make sure any requested repairs have been done and to make sure the property is still in the same condition as it was when you made the offer. The last step is to sign the transfer papers at the title company. Your lender will fund your loan and you will need to bring a check or wire the rest of your down payment to the title company and this will complete the purchase. The title company will send the file to the county recorder's office to record the property in your name. Once that is done and they get confirmation of recording, the property is yours!

You now own your home!








Thursday, June 1, 2017

Coming to the market 6/7/17!

3180 Country Club Drive, Unit 1A
Cameron Park

2 Beds | 2 Baths | First floor Unit

HOA Covers: Water, trash, lanscaping, pool, spa, 
maintaining the exterior of the building, roof, and carports!

Contact me for more information
530-391-1576 | sarah@sarah-ratliff.com


Friday, May 19, 2017

Sold!!

3100 Vista Lefonti
El Dorado Hills

*Exceptional sunset and city light views of the Sacramento Valley and Folsom Lake*



Monday, May 1, 2017

Sold!!

Sold by 
The Discover Joy in Real Estate Team


4501 Autum Way
Shingle Springs





Friday, April 7, 2017

Just Listed in West Roseville!

100 Haywood Court
Roseville



Built in 2010, this single story home with a solar roof in West Roseville is a must see! With three bedrooms, two full baths and over two thousand square feet of living space, this home has it all- cherry cabinets, granite counters, spacious backyard, and separate huge formal dining! 








Backyard has been lovingly cared for by current owner, with luscious landscaping, covered patio, and storage shed! Walking distance to local schools and minutes to shopping & dining!




Offered at $439,900

Contact me for details!
sarah@sarah-ratliff.com
530-391-1576

Open Sunday April 9 11am-2pm



Wednesday, March 22, 2017

Coming to the market next week!

9746 White Pine Way
Elk Grove

This 4 possible bedroom, 2 bath, 
single story home in a great neighborhood in Elk Grove is an absolute must see! 





Featuring many updates including distressed cabinets and granite counters in the kitchen, beautiful tile flooring, custom vanities in both baths, upgraded fireplace, and brand new interior paint! 





The generous kitchen overlooks a well maintained backyard! Oversized 3 car garage has epoxy floors and utility sink. Within walking distance to multiple parks and close to highly desirable K-12 schools. Only minutes from Highway 99! 






1871 Square Feet

Offered at $424,900


Contact me for details!
530-391-1576
sarah@sarah-ratliff.com


Monday, March 20, 2017

Just Listed!

3416 Orinda Circle
Cameron Park
by the Discover Joy in Real Estate Team





This 2 bed, 2 1/2 bath townhome in the heart of Cameron Park exudes quality, craftmanship, and style for the discriminating buyer!






Updated kitchen with beautiful cabinetry, granite counter tops, Wolf range and Sub Zero fridge. Updated bathrooms, lighting, imperfect smooth walls, crown molding, laminate floors and new carpet! 










TREX- type decking overlooks the scenic view of Cameron Park. Epoxy garage floor. This is a MUST SEE!!!



Open Saturday 3/25 and Sunday 3/26 from 11am-2pm. 

Contact me for more details
530-391-1574
sarah@sarah-ratliff.com

Friday, March 17, 2017

Open this weekend!

4501 Autum Way, Shingle Springs

-Open Saturday 3/18 from 12-3 and 
Sunday 3/19 from 12-3

4 Bedrooms, 3.5 Bathrooms

2295 Square Feet




Single story home nestled in a picture book setting w/ 5 usable acres, seasonal stream & pond! Multi-generational living or office space possible in tranquil pool-side cabana. 




Updated Kitchen, new carpet in BR's and fresh interior paint. 3 car garage has plumbing for bathroom. 







This country home is a peaceful, private sanctuary of nature! Great schools, awesome neighborhood and convenient to HWY 50! 


Offered at $659,900

Contact me for details!
Sarah@sarah-ratliff.com
530-391-1576


See you this weekend!

Wednesday, March 15, 2017

Sold in 1 Day!

3180 Country Club Drive, Unit 5A
Cameron Park






Sold for over asking price in 1 day! 
I can sell your home too!

Contact me today 
sarah@sarah-ratliff.com
530-391-1576

Monday, March 13, 2017

Just Listed! 4501 Autum Way, Shingle Springs!

-Just listed by the Discover Joy in Real Estate Team-

4501 Autum Way, Shingle Springs


Rare find in sought-after Shingle Springs. This single story home exudes quality & is nestled in a picture book setting w/ 5 usable acres, seasonal stream & pond!




  Updated Kitchen, new carpet in BR's and fresh interior paint. 3 car garage has plumbing for bathroom. 






This country home is a peaceful, private sanctuary of nature! 

Multi-generational living or office space possible in tranquil pool-side cabana.Great schools, awesome neighborhood and convenient to HWY 50! Clear Pest on file.

Offered at $659,900


Contact Sarah 530-391-1576 | sarah@sarah-ratliff.com
or Joy 530-391-1574 | joydbowles@gmail.com
for details!!