Lynnette Kaufmann-Lyon Real Estate

Recommendations like this are energizing. Wow.

See more: https://www.realsatisfied.com/Lynnette-F-Gamenara-Kaufmann

Come on out this weekend for an Open House. Check MLS for days and times.

2358 Alta Garden Lane #38-A, Sacramento, CA Beautiful & desirable gated condominium community. Floor level, nicely updated, roomy condo. Still affordable & no stairs to deal with. The perfect starter home or investment property. Large living room with fireplace. Private fenced in patio. Bedroom has a walk in closet. Recently updated bathroom....

Check our the OVWC’s latest Loyal 2 Local promotion. I wrote this article highlighting this local restaurant.

The Orangevale Woman’s Club’s Loyal-2-Local group is also promoting and encouraging folks in the Orangevale Community to come out and support Ducky’s Donut Shack. Great place to order up a couple of dozen donuts for work groups or a group activity. These would be a great start to our late morning OVWC general meeting this coming Thursday at the Orangevale Grange Hall. Hummm...They have the best tasting donuts around, and their cinnamon rolls are to die for! My favorite though is the maple bar. Yummy treats.

Orangevale Woman’s Club’s Loyal 2 Local, just interviewed Phillip of Ducky’s Donut Shack at 9372 Madison Ave #9, Orangevale. In 1989, Phillip opened his first donut shop in Southern California called Spudnuts. Ducky’s not only serves donuts but coffee, specialty coffee, muffins, and breakfast croissants. Phillip and his wife Kay, work hand in hand to make sure that Orangevale can enjoy freshly baked donuts, daily! Phillip arrives to work at 1:00am to start making donuts for the day. Kay runs the rest of the shop by making sure that every customer leaves a happy customer. Just by walking in the front door, you can tell that Kay and Phillip work very hard to make everyone feel excited to start their day with a delicious breakfast treat.

During the COVID closures, they maintained a positive outlook to get through the slower times of business. Phillips’s mother taught him that to live a rich life you must find happiness in what you do and spend quality time with your family. Keeping a positive mindset has truly helped him and his wife run a successful business during challenging times. Weekends are very busy for Ducky’s but, they’ve seen a slow down on weekdays during the pandemic. Thanks to the support of the Orangevale community, their business has held strong.

Pop by the shop next time you’re out and about! They are running a special until November 30, 2021, get 15% off your order of 2 dozen donuts or more. Ducky’s Donut Shack also offers 20% off your order of 5 dozen donuts or more for all schools and churches year-round. Everyone loves someone who brings donuts to work! Hours of operation are Tuesday to Sunday from 5:30AM to 2:00PM. If you’d like to place a special order for parties or birthdays, call (916) 294-7574. You will be a customer for life after trying Ducky’s Donut Shack! , , , , , ,

Come on out and help support our local speciality restaurants here in the area. Small businesses are struggling in our towns and cities at this time. The Covid virus has posed a big threat to our local business and continues even with numbers of infected going down. Currently it is our supply chain issues are still impacting these small buisness in local areas. This is why I support all of these small privately owned businesses. They need our help to keep doing what they are doing. Well done to Dezy for not only serving our nation, but giving back to us all with his delicious foods. His bread looks amazing!

Come on over and try our Loyal 2 Local restaurant for this month...We are featuring O-Conners Wood Fire Grill. Help us by helping yourselves for a wonderful barbecue/wood grilled dinner. Let’s keep our small businesses in the black during this tough Covid 19 pandemic.

Love being a part of this great project of Loyal 2 Local within the Orangvale Woman’s Club!

So proud to be helping with the OVWC’s Loyal 2 Local campaign. Check out this wonderful Mexican Restaurant, Lupita’s! Here she is below, stirring up a big pot of delicious traditional Hispanic food. You can almost spell the fragrance of onion, garlic, and bell peppers cooking.

NEWS FLASH! NEWS FLASH! Our Orangevale Woman’s Club is introducing a volunteer program; "Loyal 2 Local”. Every 2 weeks we will be highlighting some wonderful local restaurants in our community that have been struggling through due to our Covid pandemic.

Check back here regularly, for our first of many featured restaurants. Many of the restaurants may offer a "Loyal 2 Local" menu special. Help support our local restaurants to pull through this difficult time.

Thank you to the Orangevale Woman’s Club for Featuring and Sponsoring local restaurants in order to keep some of these small local business stay afloat amid this current pandemic. They really need everyones patronage and support to keep their doors open. Let’s help out these featured restaurants each week. Look for updated posts at: https://www.facebook.com/OrangevaleWomansClub

NEWS FLASH! NEWS FLASH! Our Orangevale Woman’s Club is introducing a volunteer program; "Loyal 2 Local”. Every 2 weeks we will be highlighting some wonderful local restaurants in our community that have been struggling through due to our Covid pandemic.

Check back here regularly, for our first of many featured restaurants. Many of the restaurants may offer a "Loyal 2 Local" menu special. Help support our local restaurants to pull through this difficult time.

Way to go, OVWC! Great that you are helping our local restaurants say afloat during such tough times. Keep up the good work!

NEWS FLASH! NEWS FLASH! Our Orangevale Woman’s Club is introducing a volunteer program; "Loyal 2 Local”. Every 2 weeks we will be highlighting some wonderful local restaurants in our community that have been struggling through due to our Covid pandemic.

Check back here regularly, for our first of many featured restaurants. Many of the restaurants may offer a "Loyal 2 Local" menu special. Help support our local restaurants to pull through this difficult time.

Everyone should be lucky enough to have clients like this.

See more: https://www.realsatisfied.com/Lynnette-F-Gamenara-Kaufmann

https://shareables.listreports.com/on-the-fence.png

Which home features are important to you and your pets? Maybe your pets don't care, but I'm sure that you do. Interested in pet-friendly properties and communities? Luckily in the burbs, most of us have homes with fences for our pet's safety.

Message me to learn more!

shareables.listreports.com

Thinking about buying or selling?

www.golyon.com I can help you navigate the process.

This is so very true right now. Don’t hesitate if you have been thinking about a purchase.

shareables.listreports.com

From the bottom of my heart, thank you for this recommendation.

See more: https://www.realsatisfied.com/Lynnette-F-Gamenara-Kaufmann

How good does a happy client make you feel?

See more: https://www.realsatisfied.com/Lynnette-F-Gamenara-Kaufmann

Feeling Blessed! Happy to be in such great company!

www.golyon.com

July Newsletter has arrived. Give a try to my Orange Zabaglione recipe, and if you are going on vacation soon, note the various tips to keep your home safe while you are gone.

http://www.golyon.com/emails/newsletter/658f941004094992671a24f75a51a1cd2609b524/513649

golyon.com

www.golyon.com

Due out tomorrow - May’s E-Newsletter. Don’t forget the toffee recipe....Totally yummy.

http://www.golyon.com/emails/newsletter/3ad823f2e68e1a93377d2ba0176d9a82fc735ec5/513649

golyon.com This past weekend I sponsored our 5th Annual ARC (American River Canyon) Garage Sale. Over the last two years my marketing department assisted me in creating a garage sale website for members of my community to sign up to participate.   It has been my first attempt at creating my own custom websi...

Nothing is more encouraging than a glowing client testimonial. I am humbled by my clients comments.

See more: https://www.realsatisfied.com/Lynnette-F-Gamenara-Kaufmann

9 Award-Winning Restaurants in Sacramento You Have to Try

I love catching a break from cooking once in a while, and why not have some quality eats? This list may help you pick and choose where to go for a lovely dining experience.

Enjoy, Lynnette Gamenara-Kaufmann

golyon.com Dining in a city like Sacramento can be an overwhelming experience, which isn’t necessarily a bad thing! In fact, having a difficult time choosing between restaurants is a pretty wonderful problem to have. The city has been nicknamed America’s Farm-to-Fork Capital for its communal focus on farm-...

Old Republic Title, one of my title company that I use in Folsom, send me this reminder for my clients. Everyone can benefit from this knowledge: Happy Halloween everyone.

www.golyon.com

If you are in the Sacramento, CA area, and are looking for some fun things to do with the kiddos, and even other adults....check out these upcoming events in our area. If you actually go to these events, please come back on line and fill us in on my Business Page, so we know if they are worth all of the hype.

golyon.com

Decorative Baking with Edible Fall Leaves - Home Care Buzz

Thank you from our area manager, Stephanie, from First American Home Warranty, who sent me this great “Home Buzz” about decorating my food dishes, and more with edible fall leaves. Enjoy this fun and delicious post.

homecarebuzz.com Autumn marks the beginning of the baking season, so what better way to welcome the cooler weather than by making pies, cookies, and tarts decorated with adorable—and edible—fall leaf shapes. Try one of these soul-warming fall baking projects, then share your creations with family and friends.

www.golyon.com

Again, hot off the presses...October Newsletter and crazy new recipe along with some amazingly wonderful homes and a new testimonial.

http://www.golyon.com/emails/newsletter/6634544ce72dcc8f52999c48b52ca44de519d1eb/513649

golyon.com Just this morning, a good friend who has eaten my cooking many times, told me that she saw this recipe in the Parade section of the on-line newspaper, and thought it sounded good.  While I haven't really thought about a sweet chili before, it sounded intriguing, so I thought, why not share it with ...

Lynnette Kaufmann-Lyon Real Estate

So blessed to have such great clients!

This wonderful family home just hit the market last Friday. We had a hugely successful open house this past Sunday, and have several interest parties. Luckily we are not looking at offers until a week from tomorrow. Hurry come and see this beautiful custom home before time runs out. I can help you write an offer if needed.

https://fusion.realtourvision.com/115614

100 Buck Circle

This wonderful family home just hit the market last Friday. We had a hugely successful open house this past Sunday, and have several interest parties. Luckily we are not looking at offers until a week from tomorrow. Hurry come and see this beautiful custom home before time runs out. I can help you write an offer if needed.

https://fusion.realtourvision.com/115614

fusion.realtourvision.com

I am a Certified Military Specialist. Yes you read it correctly... I am a full service Realtor®/Certified Military Specialist/ and Ninga Selling Certified. Let me help you, your family or friends with buying or selling a home this year.

Ask me how I provide superior real estate service and rewards to those who have served!

Call me today about our military rebate program. Save hundreds of dollars on your next home purchase or sale using Military on the Move. To read more, go to:

https://www.usmilitaryonthemove.com

I can sign you up to almost guarantee your place in the program.

California-sponsored PACE program struggles with tax problems | first tuesday Journal

http://journal.firsttuesday.us/california-sponsored-pace-program-struggles-with-tax-problems/65236/?utm_source=newsletter&utm_medium=email&utm_content=090318&utm_campaign=SAPRIOR

California-sponsored PACE program struggles with tax problems

Oscar AlvarezSep 5, 2018
California-sponsored PACE program struggles with tax problems
California continues to push energy-efficient technology into the hands of homeowners, but at what cost? For some, it has meant facing the loss of their home.

First launched in 2008, the Property Assessed Clean Energy (PACE) program aims to address the need for sustainable energy retrofits. PACE finances energy-efficient upgrades and installations for residential and commercial property owners. These energy upgrades include solar panels, heating and cooling systems, water pumps, LED lighting, insulation and more.

Ten years in, 220,000 homes have been upgraded thanks to PACE. Is this program the key to making sustainable energy available to all California homeowners?

If the answer is ever going to be “yes,” PACE has a lot of problems to work through first.

PACE: too good to be true?

In theory, PACE is a win-win situation for homeowners and local governments that establish the program. Property owners get free or low-cost energy upgrades and save on energy bills and the city is repaid through a tax assessment on the improved property.

But in practice, PACE has been plagued by issues.

For instance, many participants found their energy savings did not completely offset their PACE lien payment on their annual tax bill.

Because the program qualifies homeowners based mostly on home equity and not their ability to repay, some participants were surprised to receive an unaffordable tax bill well beyond their means. This was also true for many participating mortgaged homeowners paying their property taxes through escrow, whose monthly fees jumped to cover the PACE tax assessment.

These unexpectedly high fees inevitably led to defaults, which spiked in 40 California counties from 245 in 2016 to 1,110 in 2017, according to the Wall Street Journal’s analysis of PACE accounts. These homeowners face tax lien foreclosures, which do not eliminate the PACE lien.

The U.S. Department of Energy (DOE) updated its PACE guidelines to recommend homeowner education and disclosures on PACE programs, but those are of no benefit to current participants now facing foreclosure.

Lenders’ main issue with the program is the first-lien status PACE loans enjoy. In fact, the Federal Housing Administration (FHA), the Department of Veteran Affairs (VA), Fannie Mae and Freddie Mac no longer insure mortgages associated with PACE-participating homes since the lien takes repayment priority in a foreclosure.

This so-called “super lien” has become a headache for real estate agents as well, since it stays with the property and makes it difficult for PACE-participating homeowners to sell.

All of these issues stem from a lack of disclosure about the ramifications of PACE financing. Without protections in place, overaggressive contractors often sign up homeowners by misrepresenting the program’s financing structure, according to recent lawsuits against Los Angeles County.

Can PACE be fixed?

In an effort to reform PACE, Governor Jerry Brown signed legislation in 2017 mirroring consumer protections granted by the federal Truth in Lending Act (TILA). The bills also modify PACE’s qualifying scheme to consider a homeowner’s income and introduce regulations for contractor behavior.

After these changes, three major PACE providers, Ygrene, Renovate America and Renew Financial, saw sharp drops of 40%-50% in applications. Considering one bill adjusted the qualifying process to weigh an applicant’s income, this adjustment likely reflects a more accurate number of applicants able to qualify for retrofitting through PACE’s financing structure.

Despite positive legislative steps, homeowners are quickly losing confidence and interest in PACE. Some cities have voted to end their PACE programs rather than see out amendments in the wake of mounting complaints and foreclosures.

If it is to thrive in the long term, PACE will have to mend its public image by focusing on consumer protection. As recommended by the National Consumer Law Center (NCLC) the most important changes needed to protect consumers from PACE-related foreclosures include:

requiring an ability-to-repay assessment;
mandating compliance with TILA and the Real Estate Settlement Procedures Act (RESPA);
requiring an independent energy audit; and
banning deceptive sales tactics.
But of more immediate concern, PACE — and solar providers — will need to clear economic hurdles like the President’s tariffs on solar panels, steel and aluminum if they are to survive. The tariffs levy a 30% tax on imported solar panels and solar energy cells, a 25% tax on imported steel and a 10% tax on imported aluminum.

Although levied with the pretense of growing the domestic solar industry, these tariffs will actually hurt California solar manufacturers, installers and by extension, the PACE program. This is mainly because the US solar industry relies on imported parts for 80% of its supply.

Immediate effects for PACE, solar energy, and housing

Initially, the cost of major installations will rise by 10% because of the solar panel tariff, according to solar developers. The steel and aluminum tariffs will result in at least a 1-3 cent per watt price increase, according to Roth Capital.

It is unclear how much of this price increase consumers can expect to pay, or in the case of PACE programs, how much greater a participating homeowner’s tax assessment will be. Some solar panel manufacturers and installers are better situated to absorb the price hike than others.

These tariffs threaten to hobble not only the PACE program, but California’s housing recovery.

first tuesday has previously cited high upfront investments as a barrier to new construction starts. Because the tariffs levy a 30% tax on imported solar panels and solar energy cells, the upfront cost of new construction will balloon.

This is partly because the California Energy Commission’s (CEC) new energy standards require residential homes and multi-family buildings of three-stories or less built beginning in 2020 to install solar panels. These standards will make new housing costs skyrocket.

Atop complaints, foreclosures and lawsuits, these new tariffs may be the final nail in the coffin for PACE. It is simply not improving quickly enough to outperform traditional financing options.

In the meantime, forward-thinking real estate agents will advise their clients to pass on PACE and fund energy upgrades through more traditional means. They will also point homeowners to Fannie Mae’s HomeStyle Energy program to help pay off existing PACE loans.

Although designed with noble intentions, PACE has proven itself too disastrous to continue.

Lynnette Kaufmann, Realtor
Lyon Real Estate, Folsom
www.LKaufmann.GoLyon.com

journal.firsttuesday.us

There’s nothing like a happy client, is there? Makes my heart glad. What great folks I have had the opportunity of serving!

See more: https://www.realsatisfied.com/Lynnette-F-Gamenara-Kaufmann

20 Things to Do With Kids in the Sacramento Area

Looking for something fun and inexpensive to do with the kids, on this the last unofficial weekend of summer? Fall is just around the corner, so while the weather is just about perfect for this time of year, get out and take the kiddo’s with you.

golyon.com The Sacramento area is a haven for kids of all ages. A slower pace of living coupled with the city’s abundance of kid-friendly attractions creates an ideal setting for families to thrive. There are so many activities to do with kids in the Sacramento area — whether it’s winter, spring, summer ...