Tag Archives: Rancho Cordova homes for sale

Ladders, scuffed floors ina living room during a renovation

Renovation Myths Every Seller Should Know

Renovation Myths: What Every Seller Should Know

Here are four common renovation myths—and the truths your clients need to hear before diving in.

One of the most valuable things you can do as a real estate agent is guide sellers through the process of preparing their home for the market. A polished, well-presented home will almost always sell faster, attract stronger offers, and maximize return. But here’s the catch: not every project or renovation delivers the payoff sellers imagine.


Renovation Myth 1: Every Upgrade Increases Value

It’s easy to assume that any remodel will raise the selling price, but that’s not always true. High-end, overly personalized upgrades can actually turn buyers away or fail to align with neighborhood standards. Instead, focus on timeless, functional improvements—like refreshed kitchens, updated bathrooms, or safety essentials such as flooring or wiring fixes—that appeal to the widest pool of buyers.


Renovation Myth 2: DIY Is Always the Cheaper Option

Doing it yourself sounds budget-friendly, but it can backfire. Many homeowners underestimate the cost of tools, materials, and the steep learning curve of home improvement. Even worse, a botched project can cost more to fix than hiring a pro in the first place—and sloppy workmanship will be obvious to buyers. When in doubt, encourage sellers to hire licensed, experienced contractors for the big jobs.


Renovation Myth 3: The Lowest Bid Means the Best Deal

A rock-bottom estimate can be tempting, but often comes with hidden risks. Inexperienced contractors may cut corners, skip permits, or use poor-quality materials to keep costs low. Help your clients avoid headaches by vetting vendors carefully—check references, licenses, and past work to ensure quality. Trusted, reliable professionals may cost a little more upfront but will save money in the long run.


Renovation Myth 4: A Detailed Plan Guarantees Smooth Sailing

Even the most carefully planned project can hit surprises once walls are opened—think hidden mold, outdated wiring, or supply delays. Add in mid-project changes, and both the timeline and budget can shift quickly. Encourage your sellers to build in financial and emotional wiggle room so unexpected bumps don’t derail the process.


The Big Picture of Renovation Myths

Prepping a home for market isn’t just about completing a checklist—it’s about strategy. By setting clear expectations and steering clients toward smart, cost-effective improvements, you position them for a smoother sale and stronger results. Helping sellers avoid renovation pitfalls doesn’t just protect their investment—it builds trust, confidence, and long-term success.

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Cozy blankets and warm beverages

Fall in Love with Your Home Again

Fall in Love with Your Home Again

When the Delta breeze cools the evenings and the leaves start to turn along the American River Parkway, you know autumn is on its way. Fall isn’t just about pumpkin patches and football—it’s also a great time to give your home a little refresh that goes beyond the usual “clean your gutters” advice. Let’s fall in love with your home again!

Here are a few creative ways to embrace the season at home:

  • Bring in autumn colors. Warm up your living spaces with cozy throws, golden pillows, or an arrangement of fall foliage from your own backyard.
  • Set the table for togetherness. Swap everyday dishes for seasonal place settings—perfect for Sunday dinners or spontaneous gatherings.
  • Make the backyard cozy. Cooler evenings are ideal for firepit chats, string lights, and s’mores under the stars.
  • Cook with the season. Visit a local farmers’ market for pumpkins, squash, or apples, and let your kitchen be filled with the scents of fall baking.
  • Declutter with kindness. As you pack away summer gear, consider donating gently used items to local organizations that support foster families and neighbors in need.

Home should be a place you love.

And if your fall refresh has you thinking about a bigger change—like upsizing, downsizing, or finding your dream neighborhood—we’re here to help guide you through every step. Fall in love with your home again! After all, your home should be more than a place to live; it should be a place you love.

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The word September on a chalkboard.

September: The Strategic Advantage

The Strategic Advantage of September in Real Estate

Spring often gets all the attention, but September is a season buyers and sellers in Folsom and the Sacramento area shouldn’t ignore. Fall can create the perfect window of opportunity in the local market.

Motivated Buyers and Sellers

By September, many buyers have already spent the summer searching. Now they’re ready to make a move before the year ends. Sellers are motivated too, often hoping to close before the holidays. In Folsom, this can mean smoother and faster transactions.

Reduced Competition

The busy summer season slows down in the fall. With fewer listings on the market, sellers face less competition and their homes stand out more. Buyers may also find less pressure and fewer bidding wars compared to spring.

September’s Seasonal Appeal

Folsom truly shines in the fall. Tree-lined neighborhoods show off their colors, and the crisp air makes the city’s trails, parks, and lakes more inviting than ever. Buyers exploring homes here can picture themselves enjoying morning walks around Lake Natoma, biking along the American River Parkway, or strolling through the Folsom Historic District before heading back to their cozy new home.

Timing Is Everything

Spring may be the “traditional” real estate season, but waiting until then isn’t always the smartest move. In September, both buyers and sellers in Folsom can benefit from a more focused market and highly motivated participants.

Summary

September offers real advantages in the Folsom real estate market. If you’re thinking about buying or selling, this season could be the perfect time to reach your goals—and start enjoying everything Folsom has to offer.

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A family using their hands to make the shape of a house

Down Payment: How Much Do You Really Need?

How Much Do You Really Need for a Down Payment? Hint: It’s Less Than You Think

Let’s talk down payment. For years, homebuyers heard the same advice—save 20% before you buy. But in today’s market, that’s not always necessary. Many loan programs allow you to get started with as little as 3%–5% down.

On a $400,000 home, that’s $12,000–$20,000 instead of the old-school $80,000. Even a 6% down payment breaks down like this:

  • $200K → $12,000
  • $300K → $18,000
  • $400K → $24,000
  • $500K → $30,000
  • $600K → $36,000
  • $700K → $42,000
  • $800K → $48,000

Keep in mind, your down payment affects your monthly costs—the more you put down, the lower your mortgage. Today’s buyers average about 7%, but the right amount depends on your budget, savings, and goals.

Loan Options to Explore

  • Conventional – 3%–5% down, PMI if under 20%.
  • FHA – Low down payment, flexible credit, but higher insurance.
  • VA – No down payment for eligible service members, veterans, and spouses.
  • USDA – No down for qualifying rural/suburban buyers.
  • Jumbo – For higher-priced homes; stricter requirements.
  • Fixed-Rate vs. ARM – Fixed offers stability; ARMs start lower but can adjust.

Bottom Line:

You don’t need 20% to buy a home. A trusted mortgage pro can walk you through your options and help you find a plan that fits your finances—so you can focus on finding the right home, not just the right number.

Learn More!

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A new partnership

A New Partnership: Margaret and Katie

A New Partnership: Margaret Melville and Katie Kreps Team Up at The Melville Group

Margaret and Katie, a new partnership,
 holding a Melville Group Real estate sign in a beautiful kitchen

We are thrilled to announce a new partnership! At The Melville Group, we believe that real estate is about more than transactions—it’s about trust, relationships, and forward-thinking guidance. That’s why we’re excited to share some exciting news: Margaret Melville is officially partnering with fellow agent Katie Kreps, bringing together two outstanding professionals with one shared mission—to serve clients with care, integrity, and exceptional results.

Why This Partnership Matters

Margaret is known for her experience, local expertise, and personalized approach. Katie brings fresh perspective, modern insight, and a deep dedication to client service. Together, they’re a dynamic team that blends seasoned leadership with a next-generation mindset.

You’ll benefit from the combined energy, insight, and resources whether you’re a first-time buyer, seasoned investor, or looking to sell a beloved home. This a partnership that truly understands your goals—and works tirelessly to exceed them.

What Clients Can Expect

  • Expanded support: With two strong voices at the table, clients receive broader availability and more tailored service.
  • Collaborative strategy: Katie and Margaret bring complementary strengths and styles, ensuring every client benefits from this well-rounded, strategic partnership.
  • Continued excellence: The values that define The Melville Group—professionalism, community, and trusted guidance—remain at the heart of everything we do.

Looking Ahead

This partnership reflects our belief in building for the future, staying responsive to our clients’ evolving needs, and continuing to grow as a team. As we move forward together, we’re committed to maintaining the high level of service you expect—while bringing new ideas and expanded energy into everything we do.

We’re excited for what’s ahead—and we invite you to connect with us, follow along, and let us know how we can help with your next real estate chapter.

Whether buying, selling or investing, we want to be you go-to partnership!

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Aerial view of the equestrian property

1508 Lomita Way: A Rare Equestrian Retreat

1508 Lomita Way, El Dorado Hills: A Rare Equestrian Retreat

1508 Lomita Way, El Dorado Hills 3 Bed | 3 Bath |2550 SF | 12 Acres $1,890,000

Discover the lifestyle you’ve always dreamed of at 1508 Lomita Way, El Dorado Hills, an extraordinary 12-acre equestrian estate, where timeless charm and modern comfort blend seamlessly.

 1508 Lomita Way: exterior view of farmhouse

1508 Lomita Way, El Dorado Hills: A Horse Enthusiast’s Paradise

Designed with equestrians in mind, this estate features five 2-stall barns and three 1-stall barns, each complete with tack rooms and water lines, thoughtfully situated throughout the property to create separate shaded pastures. Whether you’re training, retiring horses, or simply living with your beloved companions, the amenities here are unparalleled.

Enjoy riding in the lighted arena, refining your skills in the round pen, or exploring onsite trails that lead directly to the Folsom Lake trail system. While commercial boarding is no longer permitted, the possibilities for private use are endless—ideal for training, multi-horse ownership, or personal equestrian retreats.

A Modern Farmhouse with Breathtaking Views

At the heart of the estate lies a newly constructed 2,550 sq. ft. custom farmhouse, designed for comfort, style, and connection to the outdoors. Walls of windows flood the home with natural light and frame panoramic views of rolling hills and neighboring estates, bringing tranquility to your everyday living.

Every detail has been thoughtfully curated, from the open-concept living spaces to the seamless integration of energy efficiency, thanks to a 35-panel owned solar system. This system, housed in a separate elevated structure, not only powers the home but also provides shaded parking for your equipment and future needs.

Outdoor Living, Reimagined

After a day spent riding, unwind in the saltwater pool, complete with an automatic cover for year-round enjoyment. Or relax under the stars in this beautifully landscaped setting, enhanced by zone irrigation for easy maintenance.

Additional Living Space

A charming 1-bedroom, 1-bath guest cottage offers the perfect space for a caretaker, extended family, or visiting guests—giving you flexibility and privacy in equal measure.

Prime Location with a Private Feel

Though this estate feels like a secluded countryside retreat, it’s conveniently located just 5 minutes from Green Valley Shopping Center, giving you the best of both worlds—peaceful living with easy access to amenities.


1508 Lomita Way, El Dorado Hills: The Opportunity of a Lifetime

1508 Lomita Way, El Dorado Hills is more than a property—it’s a lifestyle. Whether you envision a personal equestrian haven, a family retreat, or simply a place where nature and luxury coexist, this estate delivers.

Contact us today to experience the magic of this one-of-a-kind equestrian estate—where every ride leads home.

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People in a race, ready to go!

The Best Time To Sell Is Here: Ready, Set, List!

Ready, Set, List! The Best Time To Sell Is Here

Thinking of selling your home this year? Wondering about the best time to sell? Here’s a little insider tip: April 13–19 may be the best week of the year to list your house, according to a recent Realtor.com study. That’s not just hype—this week consistently delivers more buyers, quicker sales, and often, higher offers.

Why does this week win the real estate jackpot? Why do insiders consider this the best time to sell.

Buyer Buzz: Spring buyers are out in full force.

Spring is in full bloom, and so is the real estate market. Buyers are buzzing with enthusiasm, as the season brings renewed energy and excitement to home hunting. With warmer weather and longer days, prospective homeowners are eager to make their move.

Faster Closings: Motivated buyers = quicker decisions.

Motivated buyers in the spring market are often more decisive. Their eagerness to secure their dream home means that when the right property comes along, negotiations can be swift and efficient. This speedy process benefits both buyers and sellers—sellers enjoy quicker turnovers, while buyers feel the thrill of sealing the deal.

Top Dollar Potential: Homes listed this week sell for nearly $4,800 more, on average!

Homes listed this week have been selling for nearly $4,800 more on average, highlighting a clear demand that benefits property sellers. Sellers can feel confident that their properties are attracting serious attention, while buyers continue to enjoy the vibrant, dynamic market that only grows more enticing with every passing day.

It’s Time to Get Started!

But here’s the catch: if you want to be listed in April (or May!), it’s go time. No major renos—just focus on small, high-impact improvements. Clean up, declutter, maybe add a few fresh touches (hello, curb appeal!). We can help you decide what’s worth doing—and what’s not.

Not quite ready? That’s okay!

The continuing Spring season is still in your favor. The weather is gorgeous and the hills are abundant with grasses and wildflowers. If you’re looking to maximize value with minimal stress, this may be your golden opportunity.

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Karen Lienert

Karen Lienert: Welcome to the Melville Group!

Karen Lienert: Decades of Experience, Deep Market Knowledge

With over 30 years in real estate, Karen Lienert combines professionalism, integrity, and a genuine passion for helping others. As a Sacramento native, her understanding of the local market is unmatched, having lived and worked in Folsom and El Dorado Hills for many years.

A Strong Foundation in Real Estate

Karen’s real estate career began in 1993 after earning her Bachelor’s degree in Business Administration with a concentration in Finance. Her diverse background—ranging from property appraisals to lease negotiations and land use projects—gives her clients a strategic advantage, ensuring expert guidance through every step of buying or selling a home.

A Relationship-Driven Approach

Karen’s success is built on trust, dedication, and relationships. She takes the time to deeply understand her clients’ needs, guiding them with care through one of life’s most important financial decisions.

A Heart for Community

Beyond real estate, Karen is passionate about giving back. She has volunteered with CASA of El Dorado County, supported 100 Women Who Care, and participated in the National Charity League alongside her daughters, demonstrating her commitment to making a difference in the lives of others.

Life Beyond Real Estate

When she’s not working with clients, Karen enjoys spending time with her family of six, traveling, and taking in the beauty of Lake Tahoe with boating and water sports.

As a dedicated professional and a valued new member of The Melville Group, Karen brings expertise, heart, and an unwavering commitment to every client she serves.


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a new construction home site

New Construction: You Need a Realtor!

Are You Considering a Visit to New Home Construction? Read this First!

Many buyers assume purchasing a new construction home from a builder of a new home community is a straightforward process—after all, there’s no previous owner to negotiate with, right?

Wrong. Like any real estate transaction, buying new construction requires skillful negotiation, a keen understanding of contracts, and access to critical market data. That’s where a seasoned Realtor like Margaret Melville can make all the difference, saving you money, time, and unnecessary frustration.

1. Negotiating Price & Incentives in New Construction

Builders often market their homes as “set price,” but that doesn’t mean there’s no room to negotiate. An experienced Realtor can help you secure a better price, negotiate for upgrades, and even get solar costs included—a perk that may save you thousands in the long run.

2. Understanding the Fine Print

New construction contracts are often lengthy and filled with clauses that favor the builder. Some contracts now include an option for the builder to repurchase the home if you try to sell within the first year. Margaret knows what to look for and ensures you’re protected before signing on the dotted line.

3. Analyzing Sales Data for Smarter Comparisons

Builders may not readily share how they price their homes, but a Realtor with access to tax records can analyze previous sales, upgrade costs, and lot premiums to determine if you’re getting a fair deal. Margaret helps you compare apples to apples so you can make an informed decision.

4. The Best Part? The Builder Pays for Your Agent

In most cases, builders cover the Buyer’s agent commission, meaning you get expert representation at no additional cost. Skipping an agent doesn’t save you money—it only leaves you vulnerable to the builder’s terms.

What We Have Learned

Buying new construction is exciting, but it’s also a significant investment. With Margaret Melville by your side, you can confidently navigate the process, maximize your savings, and avoid costly pitfalls. Ready to explore new homes? Let’s talk!

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Exterior of 894 Bullion Ln

894 Bullion Ln: This Home Has It All!

Looking for a home that checks all the boxes? 894 Bullion Ln, a former model home, has everything you need—3 bedrooms, 3 baths, a loft, solar, newer HVAC, and fresh carpet—all in a prime location near top-rated schools, parks, shopping, and dining.

A Floor Plan That Just Makes Sense

Feel at home! The open-concept layout makes everyday living and entertaining a breeze. The chef’s kitchen is a dream, with newer appliances, a spacious island, and plenty of counter space. And because it flows right into the dining and living areas, you’ll never miss a moment with family or friends.

A Rare Main-Level Bedroom & Bath

Need space for guests or extended family? A home office? A playroom? This home has a main-level bedroom and full bath, offering flexibility that’s hard to find.

Upstairs Retreat: Primary Suite & Loft

Head upstairs, and you’ll find a spacious primary suite designed for relaxation, complete with a spa-like bath featuring dual sinks, a soaking tub, and a separate shower. The loft adds extra space—use it as a media room, home office, or whatever suits your lifestyle! Plus, the secondary bedrooms are bright, and inviting.

Outdoor Fun & A Great Community

Want low-maintenance outdoor space? 894 Bullion Ln features a private patio perfect for morning coffee, evening wine, or weekend BBQs. Plus, you’re just steps away from walking trails, Willow Reservoir Park, playgrounds, picnic spots, and even fishing!

Outdoor patio for entertaining

Ready to Move?

This home is move-in ready and waiting for you! With stylish upgrades, thoughtful design, and an unbeatable location, it’s one you don’t want to miss.

Let’s go see it—schedule a tour today!

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