Monday, October 30, 2017

Wine Tasting in the Foothills

I tell all my clients (and every new person I meet, for that matter!) the same thing: the El Dorado County/Foothills area is the absolute best place to live. We have the best weather, the best location, and the most fun stuff to do. Now, I may be biased because I have lived here my entire life, but I have also heard this said from other people who have moved here so I know it must be true!
There is no weather to match the seasonal highs and not-too-low lows of the summers and winters. We are less than 2 hours to Tahoe (an amazing place to vacation to or visit) and less than 2 hours to the ocean. We can live in this gorgeous place and get to pretty much any vacation spot in just a short road trip. What could be better?
There is also an abundance of activities for those who love the outdoors! White water rafting on the American River, biking on the numerous trails and mountain biking for those more adventurous, tons of hiking trails, kayaking on the rivers or lakes, camping, either in our own backyard of one of the nearby SRAs or just a short trip to Tahoe!, and skiing and snowboarding just a road trip away.
The other thing I love about living here is we can enjoy all these activities plus there is an abundance of farmers and delicious fresh foods and drinks to try!

One of my favorite weekend activities that I don't get to do very often is wine tasting at our local wineries! There are so many to choose from.
Apple Hill, which is located in Camino in El Dorado County, has quite a few wineries to try out. I personally have tried Boeger, which I highly recommend,  Lava Cap, and another favorite, Illuminare - which has a delicious blend wine called "Seeing Red" that I can't recommend enough!


Click here for more information on the Wineries at Apple Hill



Another favorite spot of mine to go wine tasting is off Shenandoah Road, in Amador County. I have many wineries I like to visit when I go there. For instance, Helwig is an all time favorite. They have so many delicious wines! Their Marsanne is probably my favorite. I also love Karmere. The thing that I really love about them is that they separate their tastings into whites and reds and you can do one or the other or both. For white wine lovers like me, this works out perfectly, especially since they have a great selection of sparkling wines as well, including their delicious peach sparkling wine! Karmere also has a beautiful garden out back where we love to have a picnic if we can! Cooper Vineyards is also another fantastic spot.

We are going back to Shenandoah Road in a few weeks and I am looking forward to trying some new places! I think we are going to try Amador Cellars, which I have heard great things about, as well as Wilderotter - they have an excellent selection of both red and white wines to choose from!, and BellaGrace Vineyards as well. I can't wait!


For more information on Amador County Wineries, click here!


If you have never been to the foothills area, I suggest a visit very soon! Choose to partake in one of the various activities above and you will not be disappointed! Here are some more suggestions for local wineries. The list is extensive! I have lived here for a long time and have not tried even nearly close to them all. I hope to someday, so I can write a proper review, but in the meantime, feel free to try them out and let me know what how they are! I would love some suggestions of where to go next. 

Happy Tasting!   



Friday, October 27, 2017

Housing Affordability

  • Is home ownership something you have always dreamed of but you feel like you would never qualify for a home loan?
  • Are you always wondering how other people get qualified for a loan or come up with the down payment to buy a house? 
  • Are you looking for a way to get into a home with little or no money down but just don't think it's possible? 
Think again! The good news is very few people actually come up with the "20% down" you hear of and the other awesome news is that there are so many programs out there that can get you into the house of your dreams! First, I recommend getting the app CreditWise - for free! - to monitor your credit. Or you can sign up here. The better credit you have, the better chance you have to get a great interest rate and a great program with little or no money down on the house. And by "little or no money down", I mean as low as as 1% down or even get money back!!

Then, contact either your credit union/bank or a great local lender (I have a few awesome recommendations later in this post) to talk about your home loan. If the loan officer says you don't qualify right away, ask them what you need to do to qualify. For example, they may say you need to bring your credit score up by 50 points (this is where CreditWise comes in), or you need to finish paying off one of your credit cards. Whatever the issue is, you can work through it together. Maybe you have no issues and you qualify right away. The loan officer will tell you "how much house", meaning the amount, you qualify for. If you want to know right now, you can also do a quick check here

Here is a great example of a program provided by Guild Mortgage that allows a home buyer to put only 1% down:



This program, offered by Movement Mortgage, doesn't require a down payment and even offers a grant of up to 3% from Movement towards your down payment for those who qualify! 



There are so many options out there if you just take the time to look! Don't give up on your dream of home ownership because you are afraid of being turned down for a loan or because you think you don't make enough! In fact, many of these programs are put in place specifically for lower-income households. Take advantage of the opportunities that are being provided! 
Contact one of these amazing lenders today and see what your opportunities are!

Ashley Huegi, Mortgage Consultant
   Paramount Partners
   530.417.4931
   ahuegi@paramountpartnersgroup.com


Stephany Kuennen, Branch Manager
   Guild Mortgage
   916.714.1430
   skuennen@guildmortgage.net


Genie Tompkins, Branch Manager/Loan Officer
   Movement Mortgage
   916.307.6872
   genie.tompkins@movement.com







Email me at sarah@sarah-ratliff.com with any additional questions! I am happy to help. 🏡



Wednesday, October 25, 2017

Picture Perfect Properties

With home values still at their peak, many buyers are looking to land and considering building their dream home instead. Many lots of land can be purchased for a fraction of what it would cost to buy a house and if you look around, you can find one that already has many of the utilities already in place. 

If you are among the group who has been considering a home purchase but doesn't want to pay premium prices, take a look at these gorgeous land lots below, listed by the Discover Joy in Real Estate Team.
I have also included several lenders who will do a land-only mortgage loan towards the bottom of this post!


 1 Acre on Idle Creek Drive in Shingle Springs


Listed at $49,900 - for more information, please visit IdleCreek.com




 7007 Steeple Chase Court, Shingle Springs


5.17 Acres, Listed at $225,000 - for more information, please visit SteepleChaseCourt.com





 5924 Sutter Avenue, Carmichael


.81 Acres, Listed at $450,000 - Visit SutterAvenue.com for additional info on this great lot!





 11.6 Acres on Solitude Way, Shingle Springs


Listed at $199,900 - Visit SolitudeWay.com for more info! 



5550 Amber Fields Drive, Shingle Springs


5 Acres, Listed for $250,000 - For more information on this lot, please visit: AmberFieldsDrive.com




6201 Magpie Court, Shingle Springs


10 Acres, Listed for $199,000 - Visit MagpieCourt.com for more information!



9.35 Acres on Puerta Del Sol


Listed for $169,650 - for additional information on this property, please visit PuertaDelSol.com




31.93 Acres on Brandon Road 



Listed for $415,000 - more information at BrandonRoad.com


Lenders for land only:



Tiffany Porter

Cheryl Hargett



Contact me with any questions about these gorgeous properties!
530-391-1576
sarah@sarah-ratliff.com



Thursday, October 12, 2017

Historic Folsom Events Calendar

Historic Folsom is one of my favorite places to be. I love all the little shops and wine bars and the old, rustic, genuine feeling of the town. It is such a cute, romantic place! If you haven't been there or even if you are just looking for a reason to go, here are some great date night and family friendly events coming up!