donna-chabrier

Small Swap...Big Difference

Fri, 16 Jan 2026 22:19:11 GMT

A DIY Project with a Big roi

One of my favorite budget-friendly upgrades when prepping a home for sale? Updating old light fixtures with modern bell shades . Replacement bell shades are typically easy to find at Lowe’s (where I find the best selection) or Home Depot, cost very little, and take just a few minutes to install—yet they instantly elevate the look of a space.

For a quick video to see the before: CLICK HERE .

From a buyer’s perception standpoint, this quick refresh delivers a surprisingly strong ROI by making your home feel cleaner, brighter, and more current. Proof that sometimes it’s the little details that shine the brightest.

This is PART ONE...stay tuned for the after video to see what I came up with for the “WOW” factor.

Helping friends and clients through transitions – that’s what I do. If I can help you, a friend, neighbor, or colleague to find the home of your dreams or sell a current property, please reach out!

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

Real Experience Group of GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I’ll be there

#HomeSellingTips #EasyUpgrades #AffordableUpdates #SellerPrep

Remember Yourself

Fri, 16 Jan 2026 01:12:08 GMT

This is a subtitle for your new post

Sometimes the quietest, bravest work we can do is remembering ourselves.

Before the expectations.

Before the labels.

Before the “shoulds.”

Today feels like a good day to pause, take a breath, and reconnect with the version of you that was curious, hopeful, and unapologetically real. The one who didn’t ask for permission to be who they were.

Here’s your reminder: that person is still there.

And it’s never too late to listen again.

7509 Paiute Point Road

Sun, 29 Jun 2025 22:14:55 GMT

JUST LISTED - yosemite model in sun city roseville

An IDEAL Location - walk to the Sierra Pines 9-hole Clubhouse! This beautiful Yosemite model in 55+ Sun City Roseville is the start of a lovely lifestyle with charm and a bright spacious layout perfect for gatherings. The contemporary exterior with stonework and tree-lined walkway is welcoming. The kitchen with breakfast nook, expansive Corian countertops with textured tile backsplash, plenty of cabinetry with pull-outs, and pantry is a chef's delight. A GREAT ROOM overlooking the backyard with the family room's focal point is a floor-to-ceiling electric fireplace to add ambiance. The light and bright, roomy primary ensuite has it all with plantation-shuttered windows, a sizable shower, double sinks, and a well-appointed California Closet designed walk-in. Two additional bedrooms serve as a welcoming place for guests and a home office with built-in desks. The laundry room has many cabinets and a utility sink.

The star of this home is the covered backyard patio with misters, astro-turf, and lovely landscaping that is low maintenance. The 3-car garage has a plethora of cabinetry to keep everything neat and tidy. 4-year old HVAC, new exterior paint, and meticulously maintained. Close to ALL of the Sun City amenities: pools, golf, tennis, pickleball, and more. It won't last!

Take a look at this awesome space: https://donnachabrier.guidenorcal.com/d8rcahqc

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

350 Marigold Lane

Sat, 17 May 2025 16:39:46 GMT

beautiful alpine model in sun city lincoln hills

Welcome to this beautifully maintained Alpine model home in the highly sought-after Sun City Lincoln Hills active adult community. Perfectly positioned just a short stroll from Kilaga Springs Lodge, this residence offers the ideal blend of comfort and convenience. Step inside to discover rich hardwood floors and an open, light-filled layout featuring 2 spacious bedrooms, a versatile office/den, and a well-appointed kitchen with cabinet rollouts & spacious pantry. The home's thoughtful design includes a dedicated laundry room and energy-saving solar. Enjoy outdoor living at its finest with an exposed aggregate driveway, walkways, and extended patio with ceiling fan surrounded by the tranquil sounds of the serene water feature, ideal for relaxing or entertaining. Don't miss your chance to live in one of Northern California's premier 55+ communities, with world-class amenities and a vibrant lifestyle right at your doorstep!

2-3 Bedrooms | 2 Bathrooms | 1,531 sq ft | 0.1299 Lot Size | Built 2004

For all of the details, visit: Property Website

Listing Courtesy of Ronee Briley of GUIDE Real Estate.

2913 Old Oak Tree Way

Thu, 08 May 2025 16:44:51 GMT

Stunning luxury home in hillcrest of whitney oaks, rocklin

Rocklin home in gated community at 2913 Old Oak Tree Way has all the luxury, charm and serenity you're looking for to create a beautiful lifestyle.

Gorgeous from the front door to the backyard and everything in between. This stunning home exudes elegance and comfort with spacious rooms, soaring ceilings, engineered wood flooring, and custom touches that make it perfect for day-to-day living and entertaining. The combined living room + dining room welcome you to come in, relax, enjoy. The kitchen features granite countertops, high-end appliances, glass cabinetry to highlight treasures, a beautiful hood, farm sink, and large island adjacent to a quaint dining area. Everyone will gather together in the cozy family room with a fireplace —overlooking the beautiful, serene backyard with lush trees, greenery, flowers, and stepping stones with room for a future pool. For guests or as an office, the downstairs bedroom and full bathroom are ideal. The primary ensuite is an oasis of comfort, luxury, and space. Upstairs includes 2 additional roomy bedrooms, guest bathroom with dual sinks plus a large activity room.

Let’s not forget the dreamy laundry room and tricked-out garage. Updated windows, HVAC and recently painted exterior. Community pool and gym for family fun. Here you’ll find the perfect combo of suburban tranquility while conveniently located to top-rated schools, parks, shopping, golf, dining, and walking trails!

For pricing info, all the photos, to schedule a showing or request more information, CLICK HERE .

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

6306 Rutherford Canyon Road

Thu, 24 Apr 2025 20:50:36 GMT

PROPERTY SPOTLIGHT 6306 Rutherford Canyon Road, Loomis

Situated on a gentle rise in the heart of Loomis, this Santa Barbara-style contemporary single-story home offers panoramic views across 4.7 acres of beautiful landscape, blending timeless design with natural surroundings. A private drive leads to the home's striking presence, where white stucco walls, red tile roofing, clean lines, and expansive windows capture the surrounding vineyard views. The floorplan features four well-appointed bedrooms and a dedicated office space perfect for productivity or creative pursuits, with natural light filling the interior. Outside, enjoy a private retreat with a pool and spa designed for year-round relaxation, along with an artfully designed firepit that creates an ideal gathering spot. The four-car garage provides ample space for vehicles and recreational gear. This exceptional property offers the perfect balance of accessibility and privacyjust minutes from Loomis amenities yet peacefully tucked away. Here, among gentle slopes and vineyard rows, is where life's most cherished moments unfold. Your hilltop haven awaits.

Take a look at this awesome space: https://donnachabrier.guidenorcal.com/d8rbvc4m

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

#luxuryhomes #loomisrealtor #YourGuideToRealEstate

Listing courtesy of Parmis Pourarian of GUIDE Real Estate. DRE# 01262320

Same as it ever was

Thu, 24 Apr 2025 20:21:56 GMT

Contract Cancellations & Seller Concessions are not "Exploding"

And you may find yourself living in a shotgun shack
And you may find yourself in another part of the world
And you may find yourself behind the wheel of a large automobile
And you may find yourself in a beautiful house, with a beautiful wife
And you may ask yourself, “Well, how did I get here?”

Same as it ever was, same as it ever was
Same as it ever was, same as it ever was
Same as it ever was, same as it ever was
Same as it ever was, same as it ever was

Those were the lyrics penned by the band the “Talking Heads” in the 1980 hit – Once In A Lifetime.

In high school, I thought that song was really “deep,” but only a few years later I learned that the pop music that impressed me in high school was not all that profound.

Taken from Jay Voorhees blog, he takes on two topics that illustrate the "same as it ever was" theme: (1) Contact Cancellations, (2) Seller Concessions, and one that remains a bit of an anomaly (3) Housing Inventory.

For the full blog, visit: https://lnkd.in/dC99C6tC

1121 Audrey Way

Fri, 04 Apr 2025 00:50:17 GMT

Ideal starter home IN rOSEVILLE

JUST LISTED! Ideal starter home at 1121 Audrey Way for $590,000. Welcome to a sought after property offering 4 bedrooms, 2 baths, and a fantastic lay-out designed for modern living. The front-facing kitchen with granite countertops and a breakfast nook seamlessly flows into the family room with mid-century style fireplace and opens to the backyard via a slider making it perfect for indoor-outdoor living. The separate living room provides a quiet retreat with windows overlooking the backyard. Enjoy the beauty and durability of hardwood floors throughout the main areas. Bedrooms are sizable providing space for everyone. A large, sunny laundry room with adjacent pantry and windowed door makes it the hub of the house. The garage has a plethora of cabinetry and shelving.

Situated in a prime Roseville location, you'll find yourself minutes from I-80, a wide array of shopping and dining options, and top-rated schools. The beautifully landscaped yards enhance the curb appeal and provide a peaceful outdoor space. Newer metal roof. This move-in ready gem is perfect for first-time homeowners seeking comfort, style, and convenience.

For more info and all the details, CLICK HERE .

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

A Believer in Luck

Thu, 20 Mar 2025 01:16:15 GMT

the magic of action meeting opportunity.

Alright, history buffs and hustlers, let's talk about some good ol' fashioned "luck"! You know that famous Thomas Jefferson quote, "I’m a great believer in luck, and I find the harder I work, the more I have of it"? It's not just a catchy phrase, it's a recipe for success!

Think about it: Jefferson, the principal author of the Declaration of Independence, a brilliant architect, and the third President of the United States. He wasn't just sitting around waiting for good fortune to fall into his lap! He was meticulously planning, studying, and working. Did you know he designed his own home, Monticello, and even invented a revolving book stand?! Talk about putting in the hours!

This "luck" he speaks of? It's really just the magic of action meeting opportunity. You can't win the lottery if you don't buy a ticket, right? Similarly, you can't stumble upon a groundbreaking idea if you're not constantly exploring and learning.

Here's the breakdown:

Hard work = Preparation: Studying, practicing, and honing your skills.

Preparation = Recognizing opportunities: When those opportunities arise, you're ready to seize them!

Seizing opportunities = "Luck": And suddenly, everyone's wondering how you got so lucky!

So, let's ditch the idea of passive luck and embrace the power of proactive effort! What are you working on today to create your own "luck"? Share in the comments!

#ThomasJefferson #WorkHard #LuckIsPreparation #ActionManifestsResults

2041 Ashton Drive

Wed, 19 Mar 2025 23:51:50 GMT

PROPERTY SPOTLIGHT: 2041 Ashton Drive, rOSEVILLE

PROPERTY SPOTLIGHT: Discover elegance and comfort at 2041 Ashton Drive, Roseville, CA! This 3-bedroom, 3-bathroom haven features a spacious floorplan, remodeled master bath, and a tranquil backyard perfect for relaxation.

Your DREAM HOME awaits! Nestled inside the heart of a Premium Active Adult Community! As you enter the Grand Foyer, you will immediately take note of the striking wood floors that lead you into a roomy floorplan. Natural light accentuates every corner of this spacious home. The Chef's Dream Kitchen boasts generous granite counterspace, an abundance of cabinets for storage, two large pantries. Kitchen seamlessly connects to the family room creating the ultimate setting for entertaining family/friends. Cozy fireplace ideal for your movie/game nights. Indulge in the elegance of the crown molding and wainscoting detail. The secluded master retreat showcased by a remodeled bath done with expert craftsmanship, effortless functionality, and stylish designer touches. Great-sized secondary bedrooms ensure comfort and convenience for your guests.

Practicality meets style in the laundry room equipped with a deep sink and cabinets. Home is adorned with upgrades, reflecting the seller's meticulous attention to detail at every turn.

Step out back to the custom-built backyard. Each attribute carefully selected to evoke a sense of calm and tranquility. Enjoy the soft babble sounds of water, the vibrant colors of flowers, and the refreshing greenery creating the ultimate space to relax and unwind

Schedule your visit today! More photos and ALL of the details at:

https://donnachabrier.guidenorcal.com/d8rct3lc

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

Listing courtesy of Marianne Kim of GUIDE Real Estate.

Procrastination is wisdom

Sat, 01 Mar 2025 02:20:21 GMT

What procrastination means is that your goal or ambition is great.

Procrastination is a psychological phenomenon that occurs when you really want something more for yourself, but you lack the knowledge and capability to do it.

What procrastination means is that your goal or ambition is great. It's something you'd like for yourself, but you're not the right person to execute the plan to achieve it, at least not right now. You need a WHO to get you through whatever stage you're in, because at the moment, you're clearly not in possession of the needed knowledge or capability. If you were, you wouldn't be procrastinating.

Procrastination is wisdom -- if you listen to it. If you don't listen, then procrastination leads to misery and mediocrity. It's a very powerful signal telling you that it's time to enroll a helper to get you unstuck. Everyone who is ambitious procrastinates at some point. It is part of having big goals that stretch far beyond you.

Who can you enroll to get you unstuck? What do you need to learn to prepare to meet your ambitious aims? How can you break-down a goal so that you're achieving the end result little by little as you gain the needed expertise?

This content is from the book "Who Not How" by Dan Sullivan and Dr. Benjamin Hardy. I highly recommend!

6219 Strawberry Station Loop

Fri, 14 Feb 2025 00:58:00 GMT

Gorgeous Sun City Roseville HOME

JUST LISTED! Gorgeous Sun City Roseville 55+ Home on .22 acre across the street from golf course.

Upcoming OPEN HOUSES:

- Saturday, 2/15 from 11am to 2pm

- Sunday, 2/16 from 12noon - 3pm. Stop by!

More photos, price, and all of the details at: https://donnachabrier.guidenorcal.com/d8rcj3b1

This beautifully maintained Delta Breeze model on almost 1/4 acre in 55+ Sun City Roseville offers a bright and spacious lay-out perfect for gatherings. The grand, double doors enter to an expansive living room + dining room combo with views to the backyard. Love to cook? This high-end kitchen with a breakfast nook has Corian countertops, island, new stainless steel appliances, and a second sink. You won't miss any of the action as it overlooks a cozy family room with gas fireplace also a door right to the backyard for al fresco dining.

The primary bedroom is expansive with high ceilings and access to the backyard. The adjoining ensuite has an updated soaking tub and large shower plus double vanities with new quartz countertops and walk-in closet. Guest suite facing the front of the home is ideal for your visiting guests. A multi-functional home office. The laundry room has plenty of cabinets and utility sink. Imagine relaxing in your spacious backyard escape with a patio area and unwind after a day of activities in the inviting, salt-water jacuzzi pool.

Two-car+ garage with space for a golf cart along with built-in cabinets and attic with pull-down ladder access. Newer HVAC, Water Heater, & Exterior paint. Close to ALL of the Sun City amenities and activities!

If I can help you, a friend, neighbor, or colleague to find the home of your dreams or sell a current property, please reach out!

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

2110 Blackheath Lane

Sat, 08 Feb 2025 14:26:40 GMT

Property spotlight

For all of the photos, to request information, and to schedule a showing, CLICK HERE!

Located in the prestigious Heritage at Diamond Oaks Gated Community, this stunning 4-bedroom, 3.5-bath home offers luxury living at its finest. Enjoy a spacious master suite, a gourmet kitchen with granite countertops, stainless steel appliances, and custom tile. The home features plantation shutters, stone flooring, and custom mouldings throughout. Relax in the Mediterranean-inspired yard with a PebbleTec saltwater pool with three waterfalls by Courage Pools. Fully finished garages with epoxy flooring and a versatile upstairs office/game room complete this exceptional property near top-rated schools and premier shopping. Walking distance to the Fountains, Westfield Galleria, Top Golf, and The Courts at Gibson Park. You’ll also enjoy an easy commute, quick trip to the Truckee or Tahoe and don’t forget the countless local wineries, craft breweries and excellent restaurants. An exciting lifestyle is just moments away or right here in your own private paradise.

If I can help you, a friend, neighbor, or colleague to find the home of your dreams or sell a current property, please reach out!

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

Listing courtesy of Carmen Gargani of GUIDE Real Estate.

It's up to you

Sat, 08 Feb 2025 14:17:37 GMT

Let's get going!

⚡️ "No one is coming. It's up to you." ⚡️ This quote from Mel Robbins hit me HARD, and maybe you need to hear it too. Sometimes we get stuck waiting for a magic moment, a perfect opportunity, or someone to swoop in and save the day. But the truth is, you are the magic you've been waiting for. You hold the power to create the life you dream of. It's time to stop waiting and start doing. What's one small step you can take TODAY to move closer to your goals? Share in the comments and let's inspire each other! #MelRobbins #Motivation #Inspiration #TakeAction #OwnYourLife #NoMoreWaiting #YouGotThis #GetItDone

9828 Sword Dancer Drive

Mon, 27 Jan 2025 22:05:31 GMT

PROPERTY SPOTLIGHT: 9828 Sword Dancer Drive, Roseville

For all of the photos, to request information, and to schedule a showing, CLICK HERE!

Come home to the serenity and beauty of this spectacular home in Hidden Crossing! Close to Morgan Creek Golf Course and walking distance to Dry Creek Trail/Preserve plus Community Park! This home offers an impressive 3,721 sq feet of living complemented by a spectacular gourmet kitchen with a generous island, quartz counters and even a quartz sink. This kitchen is truly the heart of this home surrounded by an open living and dining area. Completing the ground floor is a private guest suite, a home office with picture window, a spacious flex room, a homework lounge and a custom mudroom featuring a dog/kitty bedroom.

Upstairs you will find a welcoming loft for cozy family nights, two large secondary bedrooms, laundry room and the primary bedroom you have dreamed of! Wait until you see the dreamy resort-styled bath and oversized closets!

Out back, take a dip in the HEATED pool with a cabo shelf or lounge in your personal spa! The private backyard features a California Room, a dining gazebo and a fun play structure for the kiddos. Pool fence is also included. Solar for energy savings, no Mello Roos and and an EV charger in the garage checks all the boxes! Close to everything that makes Roseville amazing! Come see this home today!

If I can help you, a friend, neighbor, or colleague to find the home of your dreams or sell a current property, please reach out!

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

Listing courtesy of Taffy Maurer of eXp Realty of California

7612 Goose Meadows Way

Sat, 25 Jan 2025 01:50:08 GMT

PROPERTY SPOTLIGHT

PROPERTY SPOTLIGHT: 7612 Goose Meadows Way, Roseville

Just 3 days on the market.

To schedule a showing and request more information here: https://donnachabrier.guidenorcal.com/d8rb5di3

This well-maintained Delta Breeze model overlooks 4th hole on the Lakes Golf Course in Sun City Roseville! This home boasts of spacious double glass door entry & opens to formal living/dining with views of the golf course & is appointed with crown molding. Chef's Kitchen features plenty of cabinet space w/Corian counters, double ovens & cabinet pull-outs & overlooks the family room making this a perfect spot for entertaining. Family room has gas burning fireplace & access to beautiful well maintained patio & backyard. Primary suite is light & bright w/backyard access & features adjoining Bath with spacious walk-in closet, mirrored doors, dual sinks, soaking tub & walk-in shower. Guest suite is located at opposite end with private Bath & walk-in closet. Spacious office with built-ins & can be used as a 3rd bedroom.

Plenty of storage in 2+golf cart garage with sink, workbench & cabinets. Custom features plantation shutters, crown molding, newer hickory plank floors, newer Hunter Douglas blinds & ceiling fans. This home has beautiful curb appeal and maintenance free backyard with paved patio. Enjoy the amenities of Sun City including golf, gym, pool, pickleball, tennis, restaurant & much more.

If I can help you, a friend, neighbor, or colleague to find the home of your dreams or sell a current property, please reach out!

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Your home.

Next home.

I'll be there.

This listing courtesy of Lenora Harrison and Larry Pearson of @Guide Real Estate.

Difficult Conversations

Sat, 25 Jan 2025 00:44:37 GMT

Don't shy away from discomfort

Truth Bomb: "A person's success in life can usually be measured by the number of uncomfortable conversations he or she is willing to have." - Timothy Ferris

Think about it... Growth happens OUTSIDE your comfort zone. Whether it's asking for that raise, pitching that idea, or having that tough conversation with a loved one, those uncomfortable moments are often the catalyst to something AMAZING.

So, embrace the discomfort. Challenge yourself to speak up, to be vulnerable, and to have those conversations that matter. You might just surprise yourself with what you can achieve.

$1Million December 2024

Sat, 25 Jan 2025 00:32:33 GMT

THank you for supporting my Real estate business

$1 MILLION+ DECEMBER! I'm absolutely thrilled that I achieved $1,575,000 in real estate sales this December! What an outstanding end to a difficult year in this biz. This milestone wouldn't have been possible without the amazing support of my incredible clients, referral partners, and the fantastic team that helps make every transaction smooth and successful.

A huge thank you to:

My amazing clients: Your trust and confidence in me mean the world.
My rockstar referral partners: Your support is invaluable!
Christie Borchin, my amazing Transaction Coordinator: You keep everything organized and on track.
Chicago Title/Roseville: Your expertise ensures seamless closings.
The best inspectors, painters, handymen, and staging crew in the business: You make every property shine!

I'm so grateful for each and every one of you. Cheers to a successful December and an even brighter 2025!

Happy MLK Day

Sun, 19 Jan 2025 19:43:28 GMT

Celebrating the legacy of martin Luther King, Jr.

Honoring the legacy of Dr. Martin Luther King Jr. today, whose tireless fight for equality and justice continues to inspire us all. Let's use this day to reflect on his dream and recommit ourselves to building a more just and equitable world for everyone. Happy #MLKDay!

Don't miss opportunity

Fri, 10 Jan 2025 18:14:17 GMT

Wise words from thomas edison

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Consumer Guide to Homeowners Insurance

Thu, 09 Jan 2025 20:12:12 GMT

Understanding homeowners insurance is essential

CONSUMER GUIDE: HOMEOWNERS INSURANCE

Understanding homeowners insurance is essential for anyone looking to purchase a home. Start looking at policies early—an agent who is a REALTOR® can help. Here’s what you need to know:

What is homeowners insurance?
Homeowners insurance covers you for unexpected losses at your home or property. It can include provisions to repair or rebuild the property, replace assets within the home, cover accidents that happen to you or someone else on the property, or even pay for living expenses if a covered incident forces you to live elsewhere temporarily.

Is homeowners insurance required?
If you are taking out a mortgage on your new home, your lender may require you to have a homeowners insurance policy for the duration of your mortgage. If your mortgage is paid off, or if you’ve paid for the home in cash, no laws require you to maintain insurance. However, having insurance is generally a good idea to ensure your assets are protected.

How much does homeowners insurance cost, and how do I pay it?

The cost of homeowners insurance depends on several factors, including your credit history (in some states), the house’s age, square footage, condition of the property, and location. You may have the option to pay your premium on a monthly, quarterly, or annual basis. Some lenders collect the insurance premium as part of your monthly mortgage payment, place it in an escrow account, and pay the insurer on your behalf.

What does my insurance cover?

There are two types of coverage provided by a homeowners policy:

• “Named Peril” coverage pays only if the damage is caused by a specifically named peril. The most popular policy, HO-3, covers the home structure and personal belongings for disasters including fire, hail, lightning, freezing, theft, and vandalism.

• “Open Peril” coverage pays in all instances except for when the damage is caused by an incident that is specifically excluded. HO-5 insurance policies may offer more extensive, openperil coverage, but they often have higher premiums and more eligibility requirements.

How much will my insurer pay me?

In the event of a loss, there are three types of reimbursement:

• Actual cash value : The insurer pays out the cost to fix the home and replace your personal belongings, minus any depreciation. For example, if you bought a new table 5 years ago for $1,500, but due to normal wear and tear, it’s only worth $750 at the time of the covered incident, then your insurer will only pay out up to $750.

• Replacement cost value: The insurer will reimburse the money needed to make repairs and/or purchase a comparable new model at today’s prices without taking depreciation into account. In this case, even if you only paid $1,500 for the table 5 years ago, if a comparable model is $2,500 today, then you may be paid $2,500 to replace the damaged furniture.

• Guaranteed or extended replacement cost: A guaranteed replacement policy means the insurer will pay the actual cost to replace a home at the time of loss, regardless of the policy limit. An extended replacement policy gives extra coverage above the policy limit up to a set percentage. For example, a home insured for $500,000 that takes $750,000 to rebuild would be completely covered with a guaranteed replacement policy. But an extended coverage policy at 20% would mean the insurer pays 120% ($600,000), or $100,000 above the limit.

Are homeowners insurance premiums tax deductible?

If the property in question is your main home, then your home insurance is generally not deductible. However, people who run a business from their home or those intending to rent out their property may be able to claim a deduction. Additionally, if you suffered a loss to your property caused by a presidentially declared disaster, you may be able to claim a casualty loss deduction. Discuss your unique needs with a tax professional. Practices may vary based on state and local law. Consult your real estate professional.

This article was directly from the National Association of REALTORS and was published 01.07.2025. You can download this info as a .pdf.

January Home Maintenance Reminder

Fri, 03 Jan 2025 22:12:10 GMT

So simple...so important

Replacing your air filter regularly is probably one of the simplest things you can do to keep your heating and air conditioning system working its best. Keeping filters changed regularly will also help with indoor air quality and prevent contaminants and allergens build up in your home.

Most higher-end pleated filters have a three-month life (cheap ones don’t last as long). If constant air conditioning or heating is necessary where you live, you may need to replace your filter more often — even monthly. You may also need to replace your filter more often if you have allergies or asthma, and if you have pets.

Take the first step!

Thu, 02 Jan 2025 21:39:59 GMT

It's a new year... don't be overwhelmed

ometimes, the path ahead feels uncertain, but progress doesn’t require a full blueprint—it starts with one step. Let Dr. King’s words inspire you today:

"You don’t have to see the whole staircase, just take the first step."

Whether it’s chasing a dream, starting a new chapter, or simply showing up, trust yourself to move forward. What first step will you take today? Share below and let’s encourage each other!

#HNY #Inspiration #FirstStep #KeepMovingForward

Have Courage

Wed, 29 May 2024 18:24:07 GMT

This is a subtitle for your new post

#havecourage #buyingahometips #livelarge #homeownershipmatters GUIDE Real Estate

May Maintenance Clean Gutters

Wed, 29 May 2024 18:22:16 GMT

It's time to clean those gutters

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Three Years in REALTOR Masters Club

Wed, 15 May 2024 23:30:08 GMT

raising the b ar of professionalism each year in real estate

So incredibly grateful for my wonderful clients and referral partners for making it another successful year in real estate! Honestly, each year has gotten more difficult but I will keep on serving with my fullest intent to provide knowledge, guidance, reassurance, expertise, and to be a resource for some of the unique challenges that come up during a real estate transaction.

If I can help you, a friend, neighbor, colleague, or family member -- please reach out.

#achievinggoals #uppingmygame #congratstoallofus #HereToHelp #realtorlife

Signs your are ready for homeownership?

Wed, 15 May 2024 23:21:05 GMT

What can you do to ensure you're ready to buy a home?

�� Dreaming of owning your own slice of paradise? �� Let's talk about the financial game plan you need to turn that dream into reality! ��✨ Here are the key steps to get you primed for homeownership:

1️⃣ Budgeting Brilliance: Start by getting cozy with your finances. Track your income, expenses, and savings. Knowing where your money goes each month is like having a treasure map to your financial goals! ��

2️⃣ Credit Crunch Time: Your credit score is your golden ticket to favorable mortgage rates. Keep it shiny by paying bills on time, reducing debt, and checking for any errors. A healthy credit score opens doors! ��

3️⃣ Saving Savvy: A down payment is the key that unlocks the door to your dream home. Start squirreling away those pennies! Set up a separate savings account specifically for your down payment goal. Every dollar counts! ��

4️⃣ Pre-Approval Power: Get ahead of the game by getting pre-approved for a mortgage. It shows sellers you mean business and gives you a realistic idea of your budget. Plus, it's like having a golden ticket in the competitive housing market! ��️��

5️⃣ Emergency Fund Essentials: Owning a home comes with surprises. Be prepared by building up an emergency fund to cover unexpected expenses like repairs or sudden job changes. It's your safety net in the homeownership circus! ��‍♂️

6️⃣ Research & Realtors: Dive into the housing market like a pro! Research neighborhoods, attend open houses, and find a realtor who's your perfect match. It's like assembling your house-hunting dream team! ��

With these financial steps in place, you'll be ready to embark on the exciting journey to homeownership! �� Tag a friend who's dreaming of their own place and share the excitement! Let's make those homeownership dreams a reality! ��

#HomeownershipGoals #FinancialFreedom #DreamHomeJourney �� #rosevillerealtor #sacramentorealtor #homebuyerhowtos

If I can help you, a friend, neighbor, or colleague to find the home of your dreams or sell a current property, please reach out!

Donna Chabrier, REALTOR®

Donna@RealExperienceGroup.com

916.770.0210

GUIDE Real Estate

DRE #01429068

Why Pre-Approval Is a Game Changer for Homebuyers

Mon, 11 Dec 2023 23:00:39 GMT

If you’re planning to buy a home this year, you might have heard that pre-approval is a necessary step to take before starting out on your journey. But why is that? And is it still important in today’s shifting market ?

The truth is, getting a pre-approval letter from your lender is critical, and when it comes to your home search, it can be a game changer in so many ways.

To better understand why, it’s important to know what pre-approval is. Freddie Mac defines the process like this:

“ A pre-approval is an indication from your lender that they are willing to lend you a certain amount of money to buy your future home. The lender you work with will provide you with a pre-approval letter, which is an official document that states the maximum amount they are willing to lend you, . . .”

Put simply, pre-approval from a lender helps you understand your true price range and how much money you can borrow for your loan . That can make it easier when you set out to search for homes. And since you’ll know what you’re approved for, it’ll also help once it’s time to submit an offer on the home of your dreams .

Another added benefit is that pre-approval lets the seller know you’re qualified to buy their house. Paul Centopani, Editor for the Mortgage Reports, explains :

“. . . most sellers won’t even consider an offer unless the buyer is pre-approved at the right price point . Sellers and their agents want to know you’re ready and able to finance your offer amount. So you’ll want to have your preapproval teed up as soon as you’re serious about bidding on a home you like.”

Every advantage you can gain as a buyer is crucial in a market that’s constantly changing . You’re going to need guidance to navigate these waters, so it’s important to have a team of professionals, such as a real estate advisor and trusted lender, on your side. They’ll help make sure you’re ready to put your best foot forward.

Bottom Line

Getting pre-approved for a mortgage helps you better understand what you can borrow and shows sellers you’re serious about purchasing their home. Let’s connect so you have the tools you need to succeed as a homebuyer in today’s shifting market.

Pre Sale Renovations with Curbio

Does your home need some repairs or renovations in order to sell it for top dollar? I've recently partnered with Curbio!

Curbio is the pre-sale home renovation company that helps you make significantly more money on the sale of your home, without the hassle or upfront costs of working with a traditional home improvement company. Curbio will transform your property into the move-in-ready listing buyers are looking for, and you don’t pay them until you sell your home.

Don’t waive your rights

Mon, 11 Dec 2023 23:00:28 GMT

When you’re purchasing a home, be sure to do a final walk-through before your signing. It’s IMPORTANT! Make sure all of the items included in your contract are still in the house, that there are no leftover personal items, and everything is clean, and in tip-top shape. Don’t lose your leverage by waiving your rights to this vital step in the process.

Proposition 19

Mon, 11 Dec 2023 23:00:25 GMT

Understanding how Proposition 19 affects property tax implications tied to your property transfer is an important consideration when buying or selling a home.

Starting April 1, 2021, homeowners who are 55 or older or those who lost their home in a natural disaster are allowed to transfer the taxable value of their primary residence to a new home in California. If you purchase a more expensive home, the tax bill will go up but by a lower amount than for other buyers. This kind of tax transfer can be done three times and homeowners have two years to sell their current home and buy a new one.

The prior rule limited this exemption to a one-time transfer within the same county or between certain counties and only if the replacement property was of equal or lesser value.

Can my client buy/sell now and take advantage of the tax portability benefits before April 1, 2021? If you wish to obtain the tax benefits of Prop 19 for a transaction that closes before April 1, 2021 , whether it is buying or selling a property, I would recommend speaking to a qualified California real estate attorney.

If the replacement property is of equal or lesser value, does the tax basis of the replacement property change? No. The taxable value of the original property may be transferred and become the taxable value of the new one.

If the replacement property is of greater value, how is the new taxable value calculated? The new taxable value is calculated by adding the difference between the full cash value of the replacement property and the original property to the original taxable value. For example, if a seller of an original property has a $300,000 taxable value and a full cash value of $1M and then buys a replacement property for $1.5 M, the taxable value of the replacement property would be $800,000.

Can a replacement property be purchased prior to the original primary residence being sold? Yes. This is how the current rule under Prop 60 works and Prop 19 uses nearly identical language.

How does Prop 19 affect the rules on intergenerational transfers to children or grandchildren? Prop 19 eliminates the ability for a home to pass from a parent to a child or a grandchild without reassessing the home value unless it’s the child’s or grandchild’s primary residence. If the child or grandchild doesn’t live in the inherited home and instead chooses to rent it out, the tax value can be re-assessed. Right now, family members can transfer a home and the property value won’t be reassessed. They can also transfer other rental or commercial properties and exempt up to $1 million of the assessed value.

If the property is more than $1M over the original tax basis, what is the new taxable basis? The new taxable basis will be the assessed value of the property at the time of transfer minus $1M.

When do these new rules on intergenerational transfers apply? The new changes to property transfers among family are set to begin on February 16, 2021.

Where may a claim to transfer a tax basis be made? Claims may be made with forms provided by the local county assessor’s office.

Source: California Association of REALTORS®

Is it a good idea to list your home during the holidays

Wed, 17 Nov 2021 22:01:59 GMT

The holiday season is typically not peak listing time for real estate. But the current situation, namely a super-low supply of homes coupled with great demand, is not typical. Usually, there are fewer buyers than, say, in May or June, meaning that homes tend to take longer to sell during the holidays. So sellers often wait to list until spring. But this year is one like no other.

It might be time to list your home this holiday season. Here are four reasons why.

1. A low supply of homes

Usually there are fewer homes for sale during the winter months anyway, but in our current market, inventory is already at historic lows. So homeowners who want or need to sell during the 2021 holiday season probably won't have too much competition, which puts them in the driver's seat.

2. Homebuyers are more serious

Although there are also typically fewer buyers during the holidays, it's still very much a seller's market right now. And of the buyers who are looking during the holiday season, many are serious about making an offer and not just looking, particularly those who've been trying to purchase for months and have lost out in the bidding wars that often break out when new properties come on the market.

3. Curb appeal is crucial

Curb appeal, particularly how the home looks on the listing, is more important than ever. Almost everyone these days first shops online. Even back in 2018, Statista reported that 93% of buyers used online websites when searching for a home.

During the holidays, many homes and neighborhoods look especially pretty, with holiday lights, wreaths, and yard displays. This means the holidays can impart an inviting, homey feel to a listing and the surrounding neighborhood. For your own listing, however, the less-is-more concept applies -- this isn't the time for excessive seasonal decorations. Note that after the holidays, when it looks dreary outside (at least in many parts of the country), it can be a more challenging time to have listing photos look inviting. Try to pick a sunny day to have the house photographed.

4. Interest rates are expected to rise

Historically low interest rates are one factor that's been fueling the increase in buyer demand for homes . Low interest rates equal lower monthly mortgage payments, which opens the market to more people. Earlier this year, the Mortgage Bankers Association (MBA) reported that when interest rates barely rose, from 2.96% to 2.98%, mortgage applications fell 5.1%. This shows that even the slightest fluctuation in interest rates can make a significant difference in buyer behavior.

The MBA also reported that for 2022, mortgage rates could rise to 4%, which would be an increase of about a full percentage point. Such a rise will certainly cool refinances . As far as buyer demand, that's still expected to be strong, since rates will still be low, just not as low as this year.

Go ahead and sell now

Today's situation is unlike years past, when the advice would normally have been to wait until spring to sell, if possible. If you're on the fence about listing during this holiday season or waiting for spring 2022, there's really no reason not to list now . Either way, it should remain a seller's market for at least another year.

Buying a home unmarried? What to know before signing the deed

Fri, 05 Nov 2021 21:21:19 GMT

There’s a growing number of unmarried couples buying homes together, and without proper planning the move may create future problems. Indeed, 9% of home buyers were unmarried in 2020, according to the National Association of Realtors. While younger millennials, ages 22 to 30 years old, represent 20% of unmarried purchasers , acquiring property as partners is a cross-generational trend. “It’s happening across the board, and everybody needs to be careful,” said Sheryl Dennis, estate planning attorney at law firm Fields and Dennis LLP in Wellesley, Massachusetts. That’s because co-buyers have fewer protections and may face legal issues if the relationship sours or one partner dies unexpectedly, experts say.

Applying for a mortgage

For most buyers, financing is the cornerstone of purchasing a home, and the process is more complicated for unmarried couples. “For anyone buying a home, the first step is always pre-approval,” said Melissa Cohn, regional vice president at William Raveis Mortgage in New York, explaining how the step prompts couples to discuss applying for a joint mortgage, property titling and other critical decisions. While combining high incomes, excellent credit and low debt may boost the chances of mortgage approval, a less creditworthy borrower can hurt the application, she said.

“Banks will always take the lower of the middle scores for the unmarried couple,” Cohn said. “So if one has a score below the optimal number required for the loan they are seeking, it could impact the rate and how much they can borrow.

Property title

Another big decision is how to title the property, which stipulates each partner’s legal rights and ownership, and determines what happens to the home if one partner dies. “The first question I ask is, ‘what happens when everything falls apart?’” said Matthew Erskine, a Worcester, Massachusetts-based estate-planning attorney at Erskine & Erskine. While sole ownership grants rights to one person, joint tenancy with rights of survivorship is equal ownership, automatically passing to the other owner when one partner dies. The third choice, tenancy in common, may be appealing when one partner contributes more because it represents an unequal interest in the property, Dennis said.

However, partners won’t inherit each other’s portion of the property by default, and they may need to specify preferences in a will to determine who receives their share. Other solutions for additional control may be putting the home into a trust or creating a business, such as a limited liability corporation, Erskine said. Of course, property laws vary by state, so it’s essential to speak with a local estate planning attorney before making a titling decision.

Property agreement

Regardless of the titling, experts also suggest a property agreement, outlining how much each partner paid for the down payment, home repairs and other expenses. The contract should also cover how to divvy the property in a break-up, including buy-out provisions, depending on what the couple wants, Dennis said. “It’s very much a business relationship,” Erskine added.

Plan for the ‘worst-case scenario’

As partners consider a joint home purchase, they may wonder if the decision is a good move, and the answer varies based on each situation. “It’s really up to the individuals and no one else,” said Douglas Boneparth , certified financial planner and president of Bone Fide Wealth in New York, explaining the choice may or may not make sense, depending on the couple’s goals. While buying property unmarried requires extra steps — such as planning for the “worst-case scenario” — partners need to weigh the pros and cons like any other financial decision, he said. “It’s perhaps a little bit more involved, but none of this is weird or odd or abnormal,” Boneparth said, and the trend may continue as couples’ stances on marriage evolve.

Article from Advisor Insight |CNBC. Written by Kate Dore, CFP published online November 5, 2021.

Non-Contingent Offers Quick Guide

Wed, 14 Jul 2021 21:26:29 GMT

In our hot Seller's Market, we're seeing a lot of Non-Contingent Offers from Buyers. What does that mean? Well it means that Buyers are at risk for losing their deposits or even paying damages if they decide not to purchase after an offer is accepted. Even Sellers should be cautioned about this strategy which leaves Buyers feeling powerless during the purchase process and may be more likely to become disgruntled after the sale. Here is a link to the California Association of REALTORS that will provide you with more information about the risks and rights with non-contingent offers. You can also download this QUICK GUIDE .

Strategies for Buyers in a Seller’s Market

admin@bullsai.com (admin account) — Tue, 13 Oct 2020 21:39:49 GMT

As many Buyer's have come to experience in this frantic real estate market throughout the Sacramento region, it's a TOUGH time for Home Buyers. Most listings are getting multiple offers, well over list price, and with Buyers coughing-up the payment of most, if not all, escrow and title fees. But don't get discouraged! I've been successful with a number of Buyers in getting them well-prepared going into negotiations which has brought them success.

Here's what I recommend to my clients:

Have a current pre-approval letter from a local lender.
Get copies of your bank/investment statements to serve as proof of funds for your earnest money deposit and down payment.
Write a personal letter about your family and what you appreciate about the home.
Search for homes that are 1-2% below your maximum budget so that you can offer above-list price and still stay within your pre-approved loan amount.
Evaluate the standard costs that Sellers & Buyers regularly pay within each county and agree to pick-up whatever cost you afford. This can often be a differentiator as it affects the Seller's Net Sheet.
If you need additional funds for closing costs, consider offering ex: $5,000 over list price but request that the Seller provide "a $5,000 credit toward recurring and non-recurring closing costs."
Review the standard contingency periods and shorten them to provide a sense of urgency (and security) to the Sellers. NOTE: Be sure to discuss the appraisal and loan contingency dates with your Lender.
Have your Realtor and Lender each call the Listing Agent to "pitch" your offer.

SALE PENDING: After losing out on their first house to multiple offers well-over list price, we found, and got into contract on an even better home for Nick, Nicole and Amelia. Relocating from Louisiana to Beale Air Force Base they couldn't be happier with this spacious, like-new home in Lincoln . I showed the house via virtual FaceTime tours + inspections with family members but they finally got to see the house first-hand on Sunday (I was a bit nervous that they wouldn't like it).

6 Mistakes to Avoid After Mortgage Pre-Approval

Fri, 10 Jul 2020 21:50:16 GMT

Once you're pre-approved for a home loan...STOP! Homebuyers: Be sure to follow these six simple steps while you're home shopping and while you're in escrow. Also, TIP #7: DON'T purchase new furniture, appliances, etc. until after you've closed escrow. Want to learn more: http://nexthomebydonna.com/home-buyers-guide/

Be sure to get a chimney inspection

Fri, 19 Jul 2019 21:54:49 GMT

If you're considering a home that has a fireplace and chimney showing some wear-and-tear or deferred maintenance, be sure to call in an expert. A Chimney/Fireplace inspector will provide a 13-point inspection, make repair recommendation, and ensure that it's safe to use.

Verification of Property

Thu, 30 May 2019 22:00:00 GMT

It's one of the last steps in purchasing a home and an important one -- Verification of Property Condition. Don't skip or waive this opportunity to see the condition of your soon-to-be home prior to the close of escrow. #realestate #whosnext

donna-chabrier

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Bottom Line

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Don’t waive your rights

Proposition 19

Is it a good idea to list your home during the holidays

Go ahead and sell now

Buying a home unmarried? What to know before signing the deed

Applying for a mortgage

Property title

Property agreement

Plan for the ‘worst-case scenario’

Non-Contingent Offers Quick Guide

Strategies for Buyers in a Seller’s Market

6 Mistakes to Avoid After Mortgage Pre-Approval

Be sure to get a chimney inspection

Verification of Property

raising the b ar of professionalism each year in real estate