Tag Archives: Sacramento Realtor

The word September on a chalkboard.

September: The Strategic Advantage

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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?

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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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4th of July in Folsom with streamers and fireworks

4th of July in Folsom: Celebrate!

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Celebrate the 4th of July in Folsom with Fun, Festivities & Fireworks!

If you love hometown parades, festive races, classic rodeo thrills, and spectacular fireworks, you’re in the right place. The Folsom area knows how to do the 4th of July right—and The Melville Group is here to help you plan the perfect local celebration.

Whether you’re cheering on the parade floats in Historic Folsom, lacing up for a community fun run, or catching fireworks under the stars, there’s no shortage of ways to celebrate our nation’s birthday close to home.

Historic Folsom Hometown Parade: Spirit Starts Early

Saturday, June 28, 2025
Why wait until the 4th? The celebration starts early with the Historic Folsom Hometown Parade, winding through charming Sutter Street from Scott to Reading Street.

Bring your lawn chairs and your patriotic spirit—this family-friendly parade features creative floats, community groups, and good old-fashioned fun. It’s a perfect kickoff to Independence Day week!

Folsom Firecracker Run: Start the 4th Strong

Kick off your celebration with this high-energy community event. The Folsom Firecracker features 2-mile, 5K, and 10K races—plus a Kids Fun Run, so everyone can join in. It’s a fantastic way to feel festive and fit before the rest of the day’s activities begin.

Folsom Pro Rodeo: A True Classic

A beloved tradition for over 60 years, the Folsom Pro Rodeo is a can’t-miss event held over the 4th of July. Enjoy exciting rodeo action—like bull riding and barrel racing—sanctioned by the PRCA.

Want to elevate the experience?
Grab tickets to the Corral Club, where you’ll enjoy premium seating, a private tent, bars, and TVs. It’s a great way to beat the heat while staying close to the action.

Rancho Cordova’s 4th of July at Hagen Park

Just minutes from Folsom, Hagen Park in Rancho Cordova hosts one of the area’s biggest Independence Day events.

This two-day celebration features:

  • All-American Mile & Parade
  • Carnival rides & circus acts
  • Nightly live concerts
  • Ice cold beer garden
  • And of course… FIREWORKS! 🎆

It’s the ultimate way to spend the 4th with friends, family, and neighbors.

Local Living at Its Best

Folsom and its neighboring communities offer a small-town sense of pride with big-time celebration energy.

At The Melville Group, we’re proud to be part of this vibrant community—and we’re always here to help you find your place in it.

Wishing you a safe and joy-filled Fourth of July!

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A chalkboard with a drawing of a house and the word Home Sweet Home

Ten Simple Ways to Make Your House a Home

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Ten Simple Ways to Make Your House a Home

Because in the Sacramento Valley, comfort meets community

Buying a house is a big milestone—but feeling at home is the real goal. Whether you’re settling into a Folsom foothills retreat or a Midtown bungalow, a few thoughtful touches can go a long way in transforming four walls into your favorite place on Earth. It’s time to make your house a home!

Here are ten down-to-earth ideas to help make your house feel like home sweet home.

1. Start with the Welcome

Paint the front door. Add a potted plant from Green Acres. Hang a seasonal wreath. Little upgrades around the entryway say “come on in” before you even open the door.

A welcome mat that says Home Sweet Home

2. Design for Your Life

Have a bonus room? Turn it into something you need—a peaceful reading nook, yoga corner, or a Zoom-friendly home office. It’s not about having more space; it’s about using what you have with purpose.

3. Build Your Own Traditions

From Friday pizza nights to morning coffee on the patio, it’s the rituals that add heart to a home. These small routines give your house a rhythm that feels truly yours.

4. Showcase What You Love

Fill your shelves with family photos, vintage finds from local markets, or mementos from Tahoe trips. Your home should tell your story—not just match a Pinterest board.

5. Add Life with Greenery

Whether it’s a backyard tomato patch or basil growing on the kitchen sill, plants breathe life into a home. Plus, watching things grow brings a deep sense of satisfaction (and can smell amazing!).

A tomato plant with cherry tomatoes

6. Layer on the Comfort to Make Your House a Home

Think soft throws, plush rugs, warm lighting. Add a candle from a local maker or some ambient tunes—whatever makes your space feel like your personal escape.

7. Fill It with Laughter

Homes are meant to be lived in. Host a backyard BBQ. Invite friends over for a Kings game watch party. Break in that dining table with good food and better company.

8. Celebrate the Little Things

Decorate for the seasons, make Nana’s banana bread, or hang up your kids’ art. The small, personal moments are what give a home its heartbeat.

9. Let Your Home Grow with You

Don’t stress about getting everything perfect right away. Over time, your style, your needs, and even your neighborhood may shift—and that’s a beautiful thing.

10. Find Your Spot

Everyone has one. A sunlit breakfast nook. A swing in the backyard. The perfect couch corner for reading. When you find it, you’ll know—this is why you came home.

Whether you’re just unpacking or you’ve been in your house for years, it’s never too late to make it feel more like you. And if you’re dreaming of a new place to call home in the Sacramento region, I’d love to help you get there.

Let’s find the place where your next chapter begins. 🏡

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A new partnership

A New Partnership: Margaret and Katie

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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

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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!

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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!

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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!

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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!

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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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