Buying your first home is an exciting milestone, and understanding your financing options is crucial. One of the most common types of home loans is a conventional mortgage. Here’s what you need to know as a first-time home buyer.   What is a Conventional Mortgage? A conventional mortgage is a home loan that is not insured or guaranteed by the federal government. Unlike FHA (Federal Housing Administration) or VA (Veterans Affairs) loans, conventional mortgages are backed by private lenders such as banks, credit unions, and mortgage companies. They typically conform to the guidelines set by Fannie Mae and Freddie Mac, two government-sponsored enterprises.   Types of Conventional Mortgages There are two main types of conventional mortgages: 1. Conforming Loans These loans adhere to the maximum loan limits set by Fannie Mae and Freddie Mac. For 2024, the baseline conforming loan limit for a single-family home is $726,200 in most areas. 2. Non-Conforming Loans Also known as jumbo loans, these exceed the conforming loan limits and are used for purchasing higher-priced homes.   Down Payment Requirements One of the key features of conventional mortgages is the down payment requirement. While it’s possible to secure a conventional loan with as little as 3% down, a down payment of 20% or more can help you avoid private mortgage insurance (PMI), which is an additional monthly cost that protects the lender if you default on the loan.   Credit Score and Income Requirements Conventional mortgages typically require a higher credit score compared to government-backed loans. A minimum credit score of 620 is usually needed, but a score of 740 or higher can secure you the best interest rates and terms. Additionally, lenders will assess your income, employment history, and debt-to-income ratio (DTI). A DTI ratio below 36% is generally preferred, although some lenders may accept higher ratios.   Interest Rates Interest rates for conventional mortgages can be fixed or adjustable.  -Fixed-Rate Mortgages: The interest rate remains constant throughout the loan term, providing predictable monthly payments. Common terms are 15, 20, and 30 years. - Adjustable-Rate Mortgages (ARMs): These loans start with a lower fixed interest rate for an initial period (typically 5, 7, or 10 years), after which the rate adjusts periodically based on market conditions. ARMs can be beneficial if you plan to sell or refinance before the adjustment period begins.   Private Mortgage Insurance (PMI) If your down payment is less than 20%, you will likely need to pay for PMI. This insurance protects the lender in case you default on your loan. PMI costs vary but are typically 0.3% to 1.5% of the original loan amount per year. Once your loan-to-value ratio (LTV) reaches 80%, you can request to cancel PMI.   Advantages of Conventional Mortgages 1. Flexibility: They can be used to purchase a primary residence, second home, or investment property. 2. Loan Amounts: Higher loan limits compared to some government-backed loans. 3. No Upfront Mortgage Insurance: Unlike FHA loans, there’s no upfront mortgage insurance premium (UFMIP).   Disadvantages of Conventional Mortgages 1. Stricter Requirements**: Higher credit score and income requirements compared to FHA or VA loans. 2. PMI for Lower Down Payments: An additional cost if you don’t put down at least 20%. Steps to Secure a Conventional Mortgage 1. Check Your Credit: Ensure your credit report is accurate and work on improving your score if necessary. 2. Save for a Down Payment: Aim for at least 20% to avoid PMI, though 3-5% can be acceptable. 3. Get Pre-Approved: Obtain a mortgage pre-approval from a lender to understand your budget and show sellers you’re a serious buyer. 4. Gather Documentation: Be prepared to provide proof of income, employment, and assets. A conventional mortgage is a popular choice for first-time home buyers due to its flexibility and potential for favorable terms. By understanding the requirements and steps involved, you can navigate the home-buying process with confidence and find a mortgage that suits your financial situation. Please reach out if you have any further questions or need a recommendation of a great Mortgage Lender as we have a few trusted lenders that we would be happy to connect you to. Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483  

🏠🌟 From curb appeal to unique interiors, these homes are a true representation of the kinds of homes that you can find on market currently. Want to see what makes them so special? Click below to start your weekly tour and find your home with us today! 🔑✨ Join us again next week where we will be getting out again showing you three homes that are currently on the market. You can also find us on Facebook and Instagram where we cover all things real estate, community events, hot spots and more. Thanks so much for watching. Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483                       1018 Robinson Street Oroville, CA 95965 LA Chelle Callo  DRE #01830018  DoorTru                     42 Rosita Way Oroville, CA 95966 LA Scott Peebles  DRE #02086888  eXp Realty of California Inc, LA Trisha Atehortua  DRE #01894015, eXp Realty of California Inc                     20 Morrell Circle, Oroville, CA 95966 LA Alisha Fickert  DRE #01764899  Keller Williams Realty Chico Area, LA Keith Fickert DRE #02098476, Keller Williams Realty Chico Area    

Have you heard of Allie's Pub in Chico? They have definitely caught many eyes and ears around Chico lately with their creative Events and constant happenings. First you need to know how to find them...   426 Broadway Suite 130 Chico, CA 95928 (530) 809-1650 Hours: Monday 4pm-9pm Tuesday 4pm-9pm Wednesday 4pm-9pm Thursday 4pm-9pm Friday 4pm-9pm Saturday 12pm-9pm Sunday 12pm-4pm   How Allie's Came to Be: After 2 ½ years supplying both British and American brews to the community through local bars and restaurants the British Bulldog Brewery family decided it was time to find the perfect location to create a traditional pub where people can meet and relax in comfortable surroundings, share stories. Well, they found it in downtown Chico! With their feet firmly placed on both sides of the pond, their transatlantic heritage and the wide range of ales that the brewery offers, the name The Allies Pub seemed the perfect fit bringing people together as they talk through challenges and celebrate successes in a comfortable and friendly environment. Owners Justin, Emma & Sophie Martin, Alison & Steve Kay hope that you come and join them and see for yourself everything that they have to offer. The Origin of the Brew: Steve began brewing beer when he was 15 years old in England, where he was born. Steve moved to Chico, in 1995. In 2011, like many, he was struggling to find ways to reduce the family’s living expenses. He realized that beer was a significant cost in their food and drink budget, but couldn’t imagine life without it. The solution: Become reacquainted with his past brewing heritage and British Bulldog Brewery was born. Since then, with the enthusiastic support and hands-on assistance from Steve's son-in-law, Justin Martin, we’ve not had a duff batch and now have over 40 recipes covering styles from session Bitters to Russian Imperial Stouts. Along with our passion for beer we fused the recipes with our passion for history and heroes.   The Food of Allie's Pub:                 If you would like to try Authentic British food then you absolutely must try traditional Bangers and Mash, Bits and Bobs, a Pasty, or Shepherds Pie. Check out THEIR MENU to see what they are all about.   They truly have something for everyone... Small bites, Charcuterie, Beer and Cider Flights, Salads, Pretzels. Extensive and Fun Events Offered: Mocktail Mixology Class where you can learn to make non alcoholic beverages. A Plant and Sip. Afternoon Tea. Bros and Babies: A chance for Dad's to meet and enjoy time together grabbing a beer and good conversation on the patio. Join us the first and third Monday of each month at 4:30pm or our new Irish Session Pub Music! *What's an Irish Session, you ask? It's a traditional gathering where talented musicians come together to play Irish folk music in an informal and spontaneous setting. Live Music on Thursdays and Saturdays and much much more. Check out their EVENTS PAGE for more info and stay up to date on their upcoming events as many are being added frequently. With the upcoming weather and great ambiance Allie's is definitely somewhere you should check out. Especially if you are new to town and are looking for a very welcoming and community minded atmosphere. We hope that we run into you there! Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483  

In today's finances the term "FICO score" is frequently mentioned, often in discussions about creditworthiness and financial health. But what exactly is a FICO score, how does it work, and why is it so important? This blog post aims to explain the concept, providing you with a clear understanding of this critical financial metric.   What is a FICO Score? A FICO score is a type of credit score created by the Fair Isaac Corporation (FICO). This three-digit number, ranging from 300 to 850, is used by lenders to evaluate the risk associated with lending money to consumers. It is based on the information found in your credit reports from the three major credit bureaus: Experian, Equifax, and TransUnion. How Does a FICO Score Work? The FICO score is calculated using a proprietary algorithm that considers five main factors from your credit report: 1. Payment History (35%) This is the most significant factor. It looks at whether you've paid past credit accounts on time. Late payments, collections, and bankruptcies can negatively impact this part of your score. 2. Amounts Owed (30%) This factor considers the total amount of debt you owe. It also looks at your credit utilization ratio, which is the amount of credit you're using compared to your total available credit. High credit utilization can indicate that you are over-reliant on credit. 3. Length of Credit History (15%) This component takes into account how long your credit accounts have been open. A longer credit history provides more information and is typically seen as less risky. 4. Credit Mix (10%) Having a variety of credit types, such as credit cards, installment loans, and mortgages, can benefit your score. It shows lenders that you can manage different types of credit responsibly. 5. New Credit (10%) This looks at recent credit activity. Opening several new credit accounts in a short period can be risky, indicating potential financial trouble or a high likelihood of overextension. Why is Your FICO Score Important? 1. Loan Approval Lenders use your FICO score to decide whether to approve your loan applications. A higher score means you are more likely to be approved for credit cards, auto loans, mortgages, and other forms of credit. 2. Interest Rates Your FICO score also influences the interest rates you'll be offered. A higher score typically translates to lower interest rates, saving you money over the life of the loan. 3. Credit Limits With a higher FICO score, you are more likely to receive higher credit limits on credit cards and loans. This can be beneficial in managing your credit utilization ratio. 4. Rental Applications Landlords often check credit scores as part of the rental application process. A higher score can improve your chances of securing a lease on favorable terms. 5. Employment Opportunities Some employers check credit reports (with your permission) as part of the hiring process, particularly for positions that require financial responsibility. A good credit score can positively impact your job prospects. 6. Insurance Premiums Insurers may use your credit score to help determine your premiums. A higher score can result in lower insurance costs. Improving Your FICO Score - Pay Your Bills on Time Consistently paying your bills on time is crucial. - Reduce Debt Work on paying down existing debt and avoid accumulating new debt. -Limit New Credit Inquiries Be cautious about opening new credit accounts frequently. - Check Your Credit Reports Regularly review your credit reports for errors or inaccuracies and dispute any discrepancies. Understanding your FICO score is vital for maintaining financial health and achieving your financial goals. By knowing how it works and why it matters, you can take proactive steps to manage your credit wisely, ensuring better financial opportunities and lower costs in the long run. Whether you're applying for a mortgage, seeking a new job, or looking to improve your financial standing, a good FICO score is an invaluable asset. Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483    

  Each of this week's homes have a little extra something that make them unique! We have a cozy home with direct access to a fantastic community park that has a fun playground, a basketball court and a great picnic area, a home that's just steps away from two beautiful man-made lakes, walking trails and a neighborhood playground, and one with a great pool with lots of backyard space for entertaining! If any of these homes look like something you’re interested in, let me know and I’d be happy to chat more with you about them.   Be sure to check out more of our weekly videos where we cover all things real estate, community events and more. You can also find us on Facebook and Instagram. if you’d like to see more of what we do on a daily basis. Thanks so much for watching.   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483 . . 32 Glenshire Lane Chico, CA 95973 LA Ricardo Villa  DRE #02057985  eXp Realty of California, Inc. . 23 Lower Lake Court Chico, CA 95928 Keller Williams Realty Chico Area, LA Lisa Bristow DRE #01823288  Keller Williams Realty Chico Area . 1926 Potter Road Chico, CA 95928 LA Kylee Garrettson DRE #02146928  Keller Williams Realty Chico Area, LA Christine Hale DRE #02129847, Keller Williams Realty Chico Area    

A Tradition as old as time, Chico Silver Dollar Fair. This beloved event, held at the Silver Dollar Fairgrounds, is a celebration of community, agriculture, entertainment, and fun for the whole family. In this blog post, we'll take you on a tour of everything the fair has to offer, from thrilling rides and delicious food to fascinating exhibits and entertaining performances.   Mark your calendars! The Chico Silver Dollar Fair typically takes place over the Memorial Day weekend, offering four days of non-stop entertainment. This year, the fair will be held from Thursday, May 23rd through Monday, May 27th. Be sure to plan your visit accordingly. DAILY HOURS Gates open Thursday and Friday at 4PM and close at 11PM. Saturday and Sunday they open at 12PM and close at 11PM. Monday they open at 12PM and close at 10PM giving you plenty of time to explore all the attractions.   ADMISSION PRICES: *Thursday Kids ADMISSION is FREE!   Thursday, Friday, Saturday, Sunday & Monday Adults (13 and up)   $15.00 Seniors   $12.00 Veteran/ Military   $12.00 Kids (6-12)   $5.00 Kids (0-5)   FREE Parking   $10.00 Rides and Attractions Click HERE To Purchase Presale Carnival Tickets https://www.silverdollarfair.org/p/tickets Pay One Price Wrist Band (good for unlimited rides on any one given day) Thursday $40.00 + $2.00 Fee Friday $40.00+ $2.00 Fee Saturday $40.00+ $2.00 Fee Sunday $40.00+ $2.00 Fee Monday $40.00+ $2.00 Fee Ride Coupons (All rides will require 3-6 coupons. Must be 36" tall to ride)   Individual Coupon         $1.00 Sheet of 27 Coupons         $27.00 Sheet of 80 Coupons         $80.00 Sheet of 120 Coupons         $120 All Games are 10 tickets   Get ready for a thrilling adventure at the fair's midway! From classic carnival rides to heart-pounding attractions, there's something for everyone to enjoy. Take a spin on the Ferris wheel for panoramic views of the fairgrounds, or test your bravery on the exhilarating roller coasters. For the little ones, there are gentle rides and attractions designed just for them. Be sure to purchase ride tickets or wristbands to enjoy unlimited rides throughout the day. Exhibits and Demonstrations One of the highlights of the Chico Silver Dollar Fair is the diverse array of exhibits and demonstrations showcasing the region's rich agricultural heritage. Wander through the livestock barns and admire prize-winning cattle, sheep, goats, and more. Marvel at the intricate quilts, crafts, and artwork on display in the exhibit halls, or learn about sustainable farming practices at the agricultural exhibits. Don't miss the daily demonstrations and performances, where you can watch skilled artisans at work and learn something new about the world of agriculture. Live Entertainment Get ready to be entertained! The fair's main stage hosts a lineup of live performances, featuring local bands, dance troupes, magicians, jugglers, balloon animals, puppet shows, and more. The 4H Livestock Auction will take place throughout Saturday so come prepared to do some bidding at the Arena. On Monday they will even have fireworks featured at 915PM to conclude the end of the fair. Concert Series Country Singer Ben Haggard performs on Thursday at 9PM. Friday Country Singer Aaron Watson will perform at 9PM. Saturday Country Singer Chayce Beckham will Perform at 9PM. All concerts are first come first serve with fair admission. A select number of VIP seats will be sold at the gate at $35 per ticket. Sit back and enjoy the music, or get up and dance along with the performers. With multiple shows scheduled throughout the day, there's always something exciting happening on stage. Silver Dollar Speedway Presents 7:00 pm - Silver War 410 Sprint Car Races in the Grandstands Food and Refreshments No trip to the fair is complete without indulging in some delicious fair food! From classic favorites like corn dogs and funnel cakes to gourmet treats and international cuisine, there's a culinary delight to satisfy every craving. Be sure to visit the food vendors scattered throughout the fairgrounds and treat yourself to a tasty meal or snack. Family Fun Zone For families with young children, the Family Fun Zone is the place to be! This designated area offers kid-friendly rides, games, and activities for children of all ages. Let the little ones explore the petting zoo, bounce on the inflatable playground, or try their luck at carnival games to win prizes. With plenty of seating and shaded areas, parents can relax and enjoy some quality time with their kids. Plan Your Visit Ready to experience the excitement of the Chico Silver Dollar Fair? Here are a few tips to help you make the most of your visit: - Arrive early to beat the crowds and take advantage of shorter lines for rides and attractions. - Wear comfortable shoes and clothing, as you'll be doing a lot of walking and exploring. - Bring sunscreen and stay hydrated, especially on hot days. - Consider purchasing a multi-day pass if you plan to attend the fair on multiple days. With its wide variety of exhibits, attractions, and entertainment, the Chico Silver Dollar Fair offers something for everyone to enjoy. Whether you're a thrill-seeker, a foodie, or a lover of all things agriculture, you're sure to have a fantastic time at this annual event. So gather your family and friends and come experience the magic of the fair! Be Sure to  Subscribe to our Weekly Email for Fair Specialsand to learn about the vast history of the Silver Dollar Fair dating all the way back to the last 1800's. Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483    

Homeownership is one of the most significant investments many people will make in their lifetime. As homeowners, it's crucial to protect this investment and ensure that your home equity remains intact. In this blog post, we'll discuss some essential strategies for safeguarding your home equity against common threats and risks. Insurance Coverage One of the first steps in protecting your home equity is to ensure you have adequate insurance coverage. Homeowners insurance provides financial protection against damages to your home and belongings caused by covered perils such as fire, theft, or natural disasters. Additionally, consider purchasing flood insurance if you live in a flood-prone area and earthquake insurance if you reside in an earthquake-prone region. Maintenance Regular maintenance is key to preserving your home's value and protecting your equity. Keep up with routine maintenance tasks such as roof inspections, gutter cleaning, HVAC servicing, and plumbing checks. Addressing minor issues promptly can prevent them from escalating into costly repairs down the line. Avoiding Predatory Lending Practices Beware of predatory lending practices that can jeopardize your home equity. Predatory lenders often target vulnerable homeowners with deceptive loan terms and high fees, leading to financial distress and potential foreclosure. Before agreeing to any loan or refinancing offer, carefully review the terms and seek advice from a trusted financial advisor or housing counselor. Market Fluctuations Real estate markets are subject to fluctuations due to various factors such as economic conditions, interest rates, and local housing supply and demand. While you can't control market trends, you can protect your equity by making informed decisions about buying and selling. Avoid taking on excessive debt or risky investments that could leave you vulnerable to market downturns. Property Damage Property damage from natural disasters, accidents, or vandalism can significantly impact your home equity. Mitigate risks by implementing preventive measures such as installing security systems, smoke detectors, and storm shutters. Regularly inspect your property for signs of damage and make necessary repairs promptly to prevent further deterioration. Foreclosure Risks Foreclosure is a serious threat to home equity that can result from missed mortgage payments, job loss, or financial hardship. Protect yourself from foreclosure by maintaining a stable income, building an emergency fund, and staying current on your mortgage payments. If you're facing financial difficulties, explore options such as loan modification, refinancing, or seeking assistance from housing counseling agencies. In conclusion, safeguarding your home equity requires proactive measures to protect against potential risks and threats. By learning these, you can preserve your investment and enjoy the benefits of homeownership for years to come. Remember, protecting your home equity is essential for securing your financial future and achieving long-term stability. Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483    

Did you know that the Town of Paradise is currently the fastest growing town in all of California? It’s true! A census study was just put out that names Paradise the #1 fastest growing town this year…and we absolutely believe it! Check out our video this week as we feature 3 newly built homes here in Paradise as well as one of our local community parks!   When you’re finished, be sure to check out more of our weekly videos where we cover all things real estate, community events, and more. If you have any questions about these homes we can answer for you, or about buying or selling a home in the Butte County area, please reach out any time and we’d be happy to see how we can be of help! Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483   Property #1 5722 Fickett Lane LA Alisha Simpkins  DRE #01772692 Keller Williams Realty Chico   Property #2 6246 W Wagstaff Road LA Diana DeSpain  DRE #01738989  Better Homes and Gardens Real Estate LA Brandon DeSpain  DRE #02169780 Better Homes and Gardens Real Estate   Property #3 269 Tranquil Drive LA Chari Bullock  DRE #01426229  American Homes and Land        

The Durham Parade and Picnic is a vibrant celebration that brings together the community of Durham and surrounding areas and has become a beloved tradition for the last century. Showcasing local talent, businesses, and organizations from marching bands to colorful floats and following up with an entire day of events; most being free of charge thanks to their many sponsors. The Parade and Picnic offers something for everyone. Join us this Saturday to experience the excitement firsthand and be a part of this wonderful community event. Mark your calendars and come join the fun! Saturday  May 11, 2024  10:00 am - 1:00 pm  Durham Community Park 1847 Durham-Dayton Hwy Google Map (https://maps.google.com/?q=1847+Durham-Dayton+Hwy+Durham+CA+95938) The theme this year is, "Family, Friends, & Farming'". The Parade starts at 10:00 am sharp in downtown Durham and the Picnic at the Durham Community Park follows immediately afterwards with an official kick off at 12:00.    This event is a great time to get together with friends and family as well as a time to meet your fellow community members.This year we are looking forward to many exciting events and activities such as: --The Durham Exchange Club will be providing a variety of ice cold beverages from some of our best local vendors! --Various Food Trucks will be there to feed your appetite in many exciting ways. --The Durham Community Women's Club will be serving their legendary strawberry shortcake. --Durham 4H is bringing their friendly animals for everyone to meet! --Live music from local cover band Ivy Flats will keep us dancing all afternoon! --Chico Princess Parties will be bringing special guests you will not want to miss! --Funny Faces face painting will be there to make sure everyone is looking festive! --Bounce houses and inflatable slides will be available, free of charge, for hours of fun! --A Bungee Trampoline will send kids flying high. -- Local juggling sensation, Catch it Quick Juggling, will be there to entertain us all. -- Snow cones and cotton candy will be provided. --BYB Cornhole will be hosting a cornhole tournament.  Again this year they will be doing an evening Home-run Derby presented by DRPD and Durham Little League at 5:30 at the Durham Community Park with live music by the Durham High School Jazz Band followed by a professional fireworks show you will not want to miss! Cost: FREE *Vendors and food trucks will have goods available for purchase. We hope to see you there! Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483    

In the realm of personal finance, understanding your Debt-to-Income Ratio (DTI) is crucial. DTI is a simple but powerful metric that reveals your financial health by comparing your debt payments to your income. In this post, we'll dive into how to calculate DTI, why it matters, strategies for improvement, and the consequences of having a high DTI. Calculating DTI DTI is calculated by dividing your total monthly debt payments by your gross monthly income, then multiplying by 100 to get a percentage. For example, if your total monthly debt payments are $1,500 and your gross monthly income is $5,000, your DTI would be 30%. Why DTI Matters Lenders use DTI to assess your ability to manage monthly payments and repay debt. A lower DTI indicates that you have more income available to cover debt commitments, making you less risky to lenders. This is crucial when applying for loans, mortgages, or credit cards. Additionally, a healthy DTI ratio reflects your financial stability and flexibility. Strategies for Improving DTI 1. Reduce Debt: Pay off high-interest debts aggressively. Start with debts that have the highest interest rates to save money in the long run. 2. Increase Income: Explore opportunities to boost your income, such as taking on a part-time job, freelancing, or asking for a raise at work. 3. Budgeting: Create a detailed budget to track your expenses and identify areas where you can cut back. Use the extra money to pay down debt faster. 4. Refinance Loans: Consider refinancing high-interest loans to lower your monthly payments and reduce interest costs. 5. Debt Consolidation: Consolidate multiple debts into a single, lower-interest loan to simplify payments and potentially reduce your DTI. Consequences of High DTI Having a high DTI can lead to several consequences: 1. Difficulty Obtaining Loans: Lenders may be hesitant to approve your loan applications or offer higher interest rates if your DTI is too high. 2. Limited Financial Flexibility: A high DTI means a significant portion of your income is already allocated to debt payments, leaving less room for savings, emergencies, or discretionary spending. 3. Stress and Financial Strain: Constantly juggling debt payments can lead to stress and anxiety, impacting your overall well-being.   Understanding and managing your DTI is essential for maintaining financial health and achieving your long-term financial goals. By calculating your DTI, implementing strategies to improve it, and being aware of the consequences of a high DTI, you can take control of your future goals.   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483      

Today is a perfect example of turning lemons into lemonade...just like I mentioned in this video! We're super bummed that today's Feather Fiesta got washed out, but we're still planning to be there for lunch tomorrow at the Food Truck Fiesta! We wish Mother Nature would make up her mind this year...looked like spring was finally here to stay and then here comes one last rain storm to thwart all of our fun plans! Haha! If you see us tomorrow, please do come say hello.   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483   Property #1 6 Coventry Court LA Jon Baird  DRE #01936985  Parkway Real Estate Co. This 3 bed / 2 bath home is 1,252 sq ft, and sits on 1/3 of an acre. This home has resurfaced hardwood floors throughout, fresh interior paint, new dual pane windows, new appliances in the kitchen and more. The natural light in this home is awesome. The living room space has a pellet stove to keep warm on those cool Oroville winter nights, but the selling point for this home is the awesome backyard pool just waiting to be used to cool off on the hot Oroville summer days! The pool has been resurfaced, there’s a new wooden deck just waiting to be relaxed on and the backyard is the perfect size for anyone who also wants a gardening area. Did I mention this home has orange and lemon trees as well?Fresh lemonade by the pool on a hot summer day…That sounds like my kind of home!    Property #2 51 Titanio Court LA Allison Sos  DRE #02139734  Keller Williams Realty Chico Area, LA Lisa Bristow  DRE #01823288  Keller Williams Realty Chico Area This 4 bed /2 bath home is 1,840sq ft. It has an open floor plan with a really modern feel to it. The kitchen has upgraded cabinets and granite countertops, the bedrooms are spacious and full of great light, and the living space is great for entertaining company. While the home does have owned solar which is always a plus, whats unique about this home is that it was constructed with energy conserving building materials so not only were the builders thinking about comfort, but efficiency and sustainability as well.   Property #3 19 Mourning Dove Lane LA Tyler Edwards  DRE #01936264  Professional Realty Services This home is 3 bd/ 2 baths is 1,230 sq ft. This home has been completely remodeled and has all new windows, new paint, and new flooring throughout the house. It has a new roof, a new heating and air condition unit, new light fixtures, new custom cabinets and appliances in the kitchen. Look…you name it and this home has it brand new! I love the high ceilings in this home and how comfy it feels when you walk in. It might be a smaller home but it’s well laid out and feels really inviting. This home will actually qualify for the City of Oroville’s First Time Home Buyer Program and it will also go VA if you are a Veteran or Service Member and want to use that benefit. We hope that you saw something that sparked your interest within one of these Oroville homes and we would love to show them to you in person. Please reach out to us at The Norcal Life Real Estate Group any time! We look forward to earning your business! 

Wildflower Music Festival Voted Best of Chico WHEN SAT. MAY 4TH WHERE  DEGARMO PARK 3428 ESPLANADE, CHICO, CA 95973 SCHEDULE GATES OPEN:  1:00 PM 2PM - RAINBOW GIRLS 4PM - MONOPHONICS 6PM - THE BROTHERS COMATOSE One of Chico’s favorite community events which brings so many people together for a fun day of music, friends, and dancing! Here are a few tips to help you enjoy your day: • Bring your lawn chairs, blankets, and pop-ups! • Parking is free! • Please don’t litter! • This is totally a kid-friendly event with jump houses, crafts, games, etc. But please keep tabs on your children! • Bring your water bottle! There is a water filtration station for drinking water, but you will need your own water bottle. • Klean Kanteen pint cups will be available for purchase. • All WMF-affiliated booths (beer, silent auction, ticketing, t-shirts, etc.) will accept credit cards. The food trucks may not, so you’ll probably want to hit the ATM first! • We love dogs, but please leave them at home this time. • Do NOT drink and drive! Uber, Lyft, or call an old-fashioned taxi! • Please remember that this event is put on by parent volunteers. Please be respectful of others. Put on your dancing shoes and have a great time! Purchase Tickets! *Kids 12 and under are free *All proceeds go to Wildflower Open Classroom! This is a day of fun for the whole family! Check out the FREE kid's area with face painting, games, activities, jump houses, petting zoo, crafts and more! Visit the food vendors for lunch, snacks, dinner & dessert, and don't forget to stop in for a Sierra Nevada brew all while listening and dancing to the best music Chico has to offer! We hope to see you there!   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483      

When you find that perfect home, your offer has been selected, and you are ready to enter into a purchase contract, the seller may withdraw the house from the market. Earnest money also known as a good faith deposit, is a sum of money you put down to demonstrate your seriousness in buying that home. Importance of Earnest Money In most cases sellers will ask for a good faith deposit. It shows the seller you’re serious about buying the home, which can be reassuring to them if they agree to take the house off of the market while awaiting the appraisal and inspection results. When buying a property with high demand, a considerable deposit can compel the seller to select your offer over others. You may also get more favorable contract terms. Parties in a home sale will often agree to apply earnest money to the buyers down payment or closing costs. How much Earnest Money should a Homebuyer Pay? The amount of earnest money you offer varies based on the market and the condition of the house. If you want a home in a location prone to bidding wars and cash offers, you may have to offer a considerable amount. A lower earnest money deposit may be suitable for a fixer-upper in a slow market. In most real estate markets, the average good faith deposit is between 1% to 3% of the property's purchase price. It can be as high as 10% for highly competitive homes with multiple interested buyers. Some sellers prefer to set fixed amounts to help filter out buyers that aren’t serious. While losing your good faith deposit is unlikely, offer an amount that the seller will appreciate without exposing yourself to financial risk. Paying Earnest Money Deposit Typically, you pay earnest money to an escrow account, real estate broker, or title company. The funds remain in the escrow account until closing. That's when they get applied to the buyer's down payment or closing costs. Alternatively, you can receive your earnest money back after closing it is whatever the buyer and sellers have agreed upon. Is Earnest Money Refundable? Homebuyers don't always forfeit their earnest money to the seller if a deal fails. The buyer gets their good faith deposit back if the seller terminates the home sale without a valid reason. You may also reclaim your money if the reason for contract cancellation is a contingency outlined in your purchase contract. Examples of known real estate deal breakers include: When a home inspection reveals severe housing defects If the appraisal amount is lower than the home sale price and the seller will not re-negotiate the sales price When the homebuyer can't secure financing When a buyer is unable to sell their current home before closing on the new one It’s important to understand potential contract contingencies, so be sure to go over the contract with your real estate agent or attorney. When do you Lose Earnest Money? There are times when homebuyers lose their earnest money after a broken deal. Two scenarios that may lead to losing your good faith deposit are: Waiving your contingencies. Financing and inspection contingencies protect your earnest money if your mortgage doesn't go through or the house is beyond repair. However, if you waive either contingency, you forfeit your good faith deposit if the house does not go to sale. Ignoring contract timelines. Home purchase contracts often have timelines within which the buyer should complete the purchase process. Failure to close the transaction on the agreed date means you have breached the contract. You may have to forfeit your good faith deposit. What if I change my mind? Property buyers get their earnest money back if the deal goes south for reasons covered in contingencies. Otherwise, there’s little or no chance of a refund. If you change your mind late in the buying process for reasons other than contingencies, the seller can keep the earnest deposit. It compensates them for the time, money and effort required to list the property again and obtain another buyer. How to Protect your Earnest Money Deposit Take the following measures to protect your earnest money from fraud or unjustifiable forfeiture: Put everything in writing. Make sure your contract is clearly defined. Include any amendments to details like buyer responsibilities and timelines. Use an escrow account. To avoid trust issues, never hand your earnest money directly to the real estate seller or broker. Make sure the funds are in an escrow account and obtain a receipt. Understand the contingencies that protect your interests are in the contract. Most importantly, you shouldn’t sign a home purchase agreement that doesn't have the clauses that protect you. Meet your responsibilities. Real estate purchase agreements usually set deadlines to protect sellers. Be sure to respond to all questions and provide requested documents in a timely manner, as well as meet inspection, appraisal and closing deadlines to avoid breaching the contract. Buying a home is a big purchase. You want to be sure and protect yourself in the process. Earnest money allows you to communicate your seriousness and ensure your seller is committed. If you’re a first-time homebuyer,  research and ask questions from your realtor to learn more about the ins and outs of earnest money. We are always here to assist you and give you the knowledge to make informed decisions while working with our team. We look forward to the opportunity to guide and help you find your home.   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483      

Welcome to our Chico Property Tour, where we're diving into three stunning homes with pools just in time for the Summer Season! Join us on this exciting property tour video and discover the ultimate in indoor-outdoor living as we take you through them in our newest video... Property #1 22 Phlox Way, Chico, CA 95973 Your home with pool & outdoor kitchen awaits! Offering a perfect blend of modern upgrades, comfortable living spaces and twelve owned solar panels! Featuring 3 bedrooms, 2 bathrooms, and ample parking. Step inside and prepare to be amazed by the remodeled kitchen. The beautiful cabinets provide ample storage space, while the GE appliances add a touch of elegance. The granite countertops are not only stylish but also durable, making cooking a breeze. The attention to detail is evident throughout the entire house. Imagine hosting barbecues on the patio while you and your guests enjoy the hot tub, cooking at the outdoor kitchen and taking a dip in the pool on those hot summer days. The spacious living room provides plenty of space for gatherings, while the separate family room offers coziness and warmth Don't miss out on this incredible opportunity to own a home that combines style, comfort, and functionality. Located in a great neighborhood near schools and parks. L.A. Shelley Riggs  DRE #01497837  Table Mountain Realty, Inc. Property #2 2619 Burnap Ave, Chico, CA 95973 This charming 3-bedroom, 1-bathroom house in Chico offers the perfect blend of indoor comfort and outdoor fun. Take a dip in the sparkling pool to cool off on hot summer days, or relax and entertain guests on the expansive patio in your large backyard.  Inside, you'll find a comfortable living space with plenty of room to unwind. The well-equipped kitchen is perfect for whipping up meals, and the three bedrooms offer a peaceful retreat.  Here are just a few of the highlights:  Sparkling pool for refreshing summer fun Large backyard, perfect for entertaining or relaxing 3 bedrooms for comfortable living Convenient location close to shopping and amenities Don't miss your chance to live in this delightful Chico home! L.A. Katee Green DRE #01474334 Real Broker Technologies Property #3 15 Quadra Ct, Chico, CA 95928 Rare Find! 1.2 Acres Just Minutes from Downtown! This classic country farmhouse with front and back porches, an inviting pool, an outdoor kitchen, a detached office plus an in home office and 2 garages housing 5 cars and workbenches, resides on a very private 1.2 acres just minutes from downtown Chico! Spring has arrived with blooming Azaleas, Camellias, Roses, Calla Lilies, Japanese Maples, Weeping Cherry, Columbine, many fruit and citrus trees, and a large garden area for your farm to table produce dreams to come to life. This home only gets better with a gorgeous and extensive remodel! Starting with the beautifully appointed kitchen boasting granite and quartz counters, subway tile backsplash, 2 eating bars, wet bar/veggie sink, 6 burner Blue Star gas range, solid hardwood floors, stylish wood cabinets with soft close drawers, recessed lighting and stunning casement windows. All baths were remodeled and the primary bath will knock your socks off with dual sinks, a jetted tub, oversized steam shower with a bench, a built-in shelf and a luxurious spa door. The whole house has unbelievable storage, all closet floors are cedar, and the primary has 2 closets plus a built-in dresser. Need space to move around? Check out the family room, the large den/TV room with wood stove, and the formal living room. Additionally, the home features both a nook area and a formal dining area. There’s more…Owned Solar, a newer HVAC unit, a whole house fan, and a private deck off the primary suite. This home has it all!  L.A. Mary McGowan  DRE #01119659  Parkway Real Estate Co. L.A. Karin Anderson  DRE #02124385 Parkway Real Estate Co. With the heat just around the corner, now is the perfect time to find your dream home with a pool in Chico. Contact us today to get started and see these homes in person because seeing is believing in how incredible they each are! We can't wait to work with you! Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483              

Paradise Grazing Festival The Butte County Fire Safe Council is thrilled to announce the highly anticipated third annual Paradise Grazing Festival. The Festival celebrates the vital role goats and other grazers can play in fuels reduction, wildfire prevention, and land management. May 4th is also Wildfire Community Preparedness Day- a National campaign to raise awareness and reduce wildfire risks. When Saturday, May 4, 2024 10:00 am - 4:00 pm Terry Ashe Recreation Center 6626 Skyway Paradise CA 95969 (530) 872-6393  Google Map  Activities include: • Storytime with Goats: Gather around with baby goats tolisten to children’s books about our favorite grazers. • Goat Yoga: Experience the serenity of yoga amidstplayful young goats. • Live Music: Enjoy live performances by talented localmusicians. • Herding Demonstration: Witness the skill and precision of trained herding dogs indemonstrations, led by Swede, of Hanski Family Farms. • Petting Zoo: Get up close and personal with friendly goats and Poppy, the herd guardiandonkey. • Food and Craft Vendors: Enjoy local food trucks and shop for unique crafts and gifts. Admission to the Paradise Grazing Festival is free! Donations are greatly appreciated to support future grazing projects around Butte County and expand grazing education. Who: This is a family-friendly community event! Cost: FREE More Info  We are excited to announce our band lineup for our 3rd Annual Paradise Grazing Festival on May 4th! Heirloom Lone Wolf The Crawlers Get ready to bleat and eat at the ultimate goat grazing festival!Join us for a day filled with fluffy friends, delicious food, and endless fun. Don't miss out on the chance to experience goat yoga, cheese tasting, and more! 🐐🌿 Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483    

Buying a home is an exciting milestone, but it's also a significant financial undertaking. Amidst property searches, negotiations, and paperwork, there's one aspect of the home buying process that can catch many first-time buyers off guard: closing costs. In this post, we'll take a closer look at what closing costs are, why they matter, and how you can prepare for them to ensure a smooth home buying experience without any surprises. What are Closing Costs? Closing costs are the fees and expenses associated with finalizing a real estate transaction. They typically include a variety of charges, such as lender fees, title insurance, appraisal fees, attorney fees, taxes, and prepaid items like property taxes and homeowners insurance. These costs are paid by the buyer, seller, or both parties at closing. Why Do Closing Costs Matter? Closing costs can add up to thousands of dollars, so being aware of these expenses upfront allows buyers to budget accordingly and avoid any last-minute financial surprises. Closing costs are necessary to finalize the home purchase process. Failing to account for these costs can delay or derail the closing, potentially jeopardizing the entire transaction. Legal Compliance: Many closing costs are mandated by law or standard practice in real estate transactions. By fulfilling these requirements, buyers ensure that their purchase is legally sound and fully documented. Common Types of Closing Costs: Loan Origination Fees: Charges from the lender for processing the mortgage application and underwriting the loan. Title Insurance: Insurance that protects the buyer and lender against any issues with the property's title, such as liens or ownership disputes. Appraisal Fees: Cost of having a professional appraiser assess the value of the property. Attorney Fees: Legal fees for reviewing documents, conducting title searches, and facilitating the closing process. Taxes: Various taxes, including property taxes and transfer taxes, may be due at closing. Prepaid Items: Expenses like property taxes, homeowners insurance, and prepaid interest that are paid upfront and held in escrow. How to Prepare for Closing Costs: Estimate Costs: Work with your real estate agent and lender to estimate the closing costs for your specific transaction. This will give you a clearer picture of how much you'll need to bring to the closing table. Budget Wisely: Factor closing costs into your overall home buying budget to ensure you have enough funds available to cover these expenses. Negotiate with the Seller: In some cases, buyers may be able to negotiate with the seller to cover all or a portion of the closing costs as part of the purchase agreement. Closing costs are an unavoidable part of the home buying process, but with careful planning and preparation, buyers can navigate them successfully. By understanding what closing costs entail, budgeting accordingly, and working closely with knowledgeable professionals, you can ensure a smooth and seamless closing experience as you embark on the exciting journey of homeownership. Ready to take the next step towards owning your dream home? Reach out to us anytime to learn more about closing costs and how they factor into your home buying journey.   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483  

Looking for a place to call home in Paradise? Join me, Sierra Haskins from The NorCal Life Real Estate Group, as we explore some fantastic new listings! Within these walls I am confident that you will envision yourself in one. Check out our latest video and reach out to me for more info. Let's explore what is out there for you! Paradise Property Tour Video Property #1 723 Camellia Drive Paradise, CA This beautiful 3-bedroom, 2-bathroom new build in Paradise is hand crafted with custom features like log countertops and a unique staircase, all made from local trees. It boasts a spacious living area, a stunning kitchen with gray cabinets and quartz countertops, and luxurious bathrooms with jetted tubs and Bluetooth speaker lights. Outside, a large deck overlooks the large backyard, perfect for hosting gatherings. Explore the many extras this home offers! LA Alicia Simpkins DRE #01772692  Keller Williams of Chico Property #2 1398 Delia Way Paradise, CA Discover your ideal charming home! Constructed using Insulated Concrete Form (ICF) technology for resilience and energy efficiency, it features a covered patio, vaulted ceilings, and a stylish kitchen. The primary suite provides both comfort and convenience with a spacious walk-in closet and a well-appointed bathroom. Plus, its conveniently located near shopping amenities. Douglas Speicher DRE #01978165, Real Broker Technologies Property #3 5811 Nielsen Drive Paradise, CA This 2022-built home is situated in a sought after neighborhood. Nestled near Elliott Road, it offers 1807 square feet, 3 bedrooms, 2 bathrooms, and a stylish 2-car garage. Inside, a cozy living room with a gas fireplace, laminate vinyl plank flooring and plush carpets add comfort. Outside, meticulously landscaped yards boast fruit trees, a drip irrigation system, and a 12x20 Combo Free-Standing Aluminum Patio Cover. Owned solar panels, gutter guards, and plantation shutters enhance efficiency and elegance. With over $100,000 in upgrades, this home epitomizes modern living. Don't miss out—schedule a viewing today and make it yours! Peggy Gaddini DRE #02181108 5305185889, Re/Max  Thank you for watching our latest video. If you saw something you liked, or have any further questions about these properties or any others in the area, our team would love the opportunity to earn your business. Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483    

Bonfire is a monthly multi-generational storytelling experience. Each month, a different theme and storyteller from each age decade (teens, 20’s, 30’s, 40’s, 50’s on up to 100’s) tells a ten-minute true and personal story. The name Bonfire is a play on both the creators name (Bonnie) and of that feeling of sitting around a fire and telling stories together. Starting in Ama Posey's intimate studio in 2023 and growing into multiple nights at its permanent venue at The Chico Women's Center, this event is building community in a way that people need right now. The experience connects and humanizes. It’s a beautiful thing to hear a story from a teen and an eighty-year-old in the same sitting. The people on stage are not necessarily writers or performers but people sharing their unique story. It’s hard to explain what happens in the room the night of a Bonfire show so you will have to go and experience one for yourself. Despite all of the hard things happening in the world, something like this can bring people together to create empathy, foster community, and inspire. When you know someone’s story of happiness or love or wisdom along with the story of trauma, hardship, or healing, it creates a deeper understanding. Storytelling is one of the oldest human traditions. As Bonfire continues to grow, it’s clear that storytelling holds a special place in Chico’s cultural landscape. If you’re eager to be part of this vibrant community and share your own story, don’t miss the next Bonfire event. Tickets to this event have notoriously selling out within an hour so be sure to stake a claim to yours quickly. The next event will be Thursday, May 2nd, 2024. 7pm-10pm at The Chico Women's Center- 592 East 3rd Street Chico, CA 95928. Get Your Tickets Here   Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483

In the dynamic world of real estate, knowledge truly is power. Whether you're buying, selling, or investing in property, having a solid understanding of the market is essential for making informed decisions. One invaluable tool in this regard is the Comparative Market Analysis (CMA). In this post, we'll look into what a CMA is, why it's important, and how it can empower you in your real estate endeavors. What is Comparative Market Analysis (CMA)? At its core, a Comparative Market Analysis is an evaluation of similar properties in the same area that have recently sold, are currently on the market, or have failed to sell. Real estate agents and professionals use CMAs to determine a property's fair market value by comparing it to comparable properties, taking into account factors like size, location, condition, and amenities. Why is CMA Important? For Sellers: Pricing your home accurately is crucial for attracting buyers and maximizing your return on investment. A CMA helps you understand your home's value in the context of the current market, ensuring that you don't underprice or overprice your property. Armed with insights from a CMA, sellers can devise effective marketing strategies tailored to their property's unique selling points and competitive advantages. For Buyers: a CMA provides valuable insights into the fair market value of properties they're interested in. This knowledge enables them to make informed offers and negotiate effectively, increasing their chances of securing their desired property at a fair price. Avoiding Overpayment: By comparing the prices of similar properties, buyers can avoid overpaying for a home and ensure that they're getting good value for their money. For Real Estate Professionals: Real estate agents use CMAs to demonstrate their expertise and provide clients with data-driven insights into the market. This builds trust and confidence, leading to stronger client-agent relationships. Pricing Strategy: CMAs help agents develop pricing strategies that are grounded in market realities, allowing them to advise sellers on setting competitive prices and buyers on making reasonable offers. How a CMA is conducted... Gather Data: Collect information on recently sold properties, active listings, and expired or withdrawn listings in the target area. Analyze Comparable Properties: Identify properties that are similar to the subject property in terms of location, size, features, and condition. Adjust for Differences: Make adjustments to account for differences between the subject property and the comparables, such as upgrades, renovations, or unique features. Determine Market Value: Based on the analysis, determine a range of values for the subject property and recommend a listing or offer pricing variences. Whether you're a seller looking to list your home, a buyer searching for the perfect property, or a real estate professional guiding clients through the process, Comparative Market Analysis is a powerful tool that can inform and empower your decision-making. By understanding the nuances of the market and accurately assessing property values, you can navigate the complexities of real estate transactions with confidence and clarity. Ready to utilize the power of a Comparative Market Analysis for your real estate goals? Reach out to us today to get started today! Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483

Looking for your dream home in Chico? Join me, Sierra Haskins from The NorCal Life Real Estate Group, as we explore some fantastic new listings! From spacious homes to charming duplexes, there's something for everyone. Check out our latest video and reach out to me for more info. Let's find your perfect home together!       6 Lobelia Court Chico, CA 95973 This 4-bed, 3-bath home features two master suites on separate floors, and a well-equipped kitchen with granite countertops and a walk-in pantry. With a downstairs master bedroom, it's suitable for multi-generational living. Upstairs, there's another master suite with a jacuzzi bathtub, plus a bonus room. Fresh paint, new carpet, and leased solar panels make it move-in ready. L.A. Sabrina Chevallier DRE#01958458 Re/Max of Chico 396 Weymouth Way, Chico, CA 95973 This home in Willoughby Glen sits on a corner-lot. The interior is warm and welcoming with freshly painted walls, high ceilings, and plenty of natural light. With a split floor plan, it offers a grand master suite with backyard access, two additional bedrooms, and three bathrooms. The open layout includes a dining area, living room, and extra family room off the kitchen, which features granite countertops and a walk-in pantry. Hardwood and tile flooring are throughout, and a gas fireplace. Outside, a serene waterfall, landscaped yard, Koi pond, covered patio, tool shed, and pool await. Owned solar panels are an added bonus. L.A. Nikki Stone DRE #02118673 Keller Williams Realty Chico Area 20 Greenview Cir, Chico, CA 95928 This duplex, located within Butte Creek Country Club, offers a 3-bedroom/2.5-bathroom unit on one side and a 2-bedroom/2.5-bathroom unit on the other. Each unit has an attached oversized 2-car garage with extra space for golf cart or motorcycle parking. Recent upgrades include granite countertops, new flooring, and updated appliances. Bedrooms and laundry are upstairs, leaving the lower level ideal for entertaining. Joining the country club provides access to its amenities. With options for extended family living or rental income, this property on the golf course won't last long. L.A. Carol Johnson DRE #01835286 Keller Williams Realty Chico Area Thanks for taking the time to view these amazing homes with us. If you're interested in any of them or have questions, feel free to get in touch. We're here to assist you in finding the ideal home! Sierra Haskins 530-632-9028 The NorCal Life Real Estate Group eXp Realty / Lic 02146483