Heather's Home Life
Issue 6 | November 2019
Hello, November
THANK YOU to each and every friend & neighbor who joined us last night for our annual front-yard Halloween party. We passed out at least 500 pieces of candy, and hung out adorable Harry Potters, super heroes, and even a Good Place Janet (see below).


Food & Clothing Drive for Sac Food Bank
Monday, Nov. 11th, 9am to Thursday, Nov. 21st, 8pm
Elmhurst, Sacramento, CA, USA
Sacramento, CA
This month, I am excited and grateful to partner with Sacramento Food Bank & Family Services to offer an opportunity for friends and neighbors to be generous. I'll have an official Sac Food Bank barrel at my home, ready to be filled...just in time for the holidays! Please call or text me to schedule a pick up of your donation, or pop over and I'll make some coffee. :)
For Sale in El Dorado Hills
Our Legacy Properties team is proud to present a number of exciting listings in the region, including 5052 Courtney Way in El Dorado Hills. I held an Open House for these sellers this week, and fell head over heels in love with not just the design of their picture-perfect, house-wide remodel, but the sweeping views offered from the second-story balcony.
If you or someone you know wants to live in this house, call me! We're here to make it happen.

Down Payment Myths
20% Required Not necessarily! Have you served in the military? VA loans can be approved with 0% down! And FHA loans only require 3.5% down. If qualified, you can even gain access to a conventional loan with less than the customary 20% down, but mortgage insurance will factor in. My point? There are many paths to financing your home purchase. | Cash Wins A cash offer offers one big assurance to a seller: a loan won't be a hiccup on the road to closing a deal. But in my experience, a fast sale isn't always the top priority for a seller. Folks care about who moves into their home. A compelling story, as communicated by a sensitive and communicative Realtor (like me...what's up), can make the difference. Two of my buyers have beat competitive cash offers because I know my clients and stand in the gap for them. | You Can Borrow Money for Your Down Payment It has to be a gift, actually. Plain and simple. |
20% Required
Not necessarily! Have you served in the military? VA loans can be approved with 0% down! And FHA loans only require 3.5% down. If qualified, you can even gain access to a conventional loan with less than the customary 20% down, but mortgage insurance will factor in. My point? There are many paths to financing your home purchase.
Cash Wins
A cash offer offers one big assurance to a seller: a loan won't be a hiccup on the road to closing a deal. But in my experience, a fast sale isn't always the top priority for a seller. Folks care about who moves into their home. A compelling story, as communicated by a sensitive and communicative Realtor (like me...what's up), can make the difference. Two of my buyers have beat competitive cash offers because I know my clients and stand in the gap for them.
Did You Know...
...that it costs you NOTHING to hire me as your Realtor? That's right! If you're gearing up to purchase a home, there's no reason not to loop me in and add me to your team ASAP. Buyers never pay realtor fees in transactions, so why not get the benefit of a strategic, research-oriented, and positive ally straight away? Let's set aside time to meet and discuss all that this process entails and make a plan that's perfect for you.
You Do You...and Let Me Help!
The Real Estate market doesn't slow down just because it's getting chilly and Thanksgiving is officially around the corner. Interest rates remain friendly, and that home you've been eyeing might be due for a price improvement. Give me a call or text for the insight you need to know if now is the time to make your move!