Robyn Buzdon DRE: 01232451 GUIDE Real Estate

Our latest Rec Guide is fresh off the digital press! Check it out for all of your classes, sports, and programs for Fall/Winter 2024-2025!
Check it out HERE! >>>https://indd.adobe.com/view/b251008f-3722-4596-8110-2d118f99831e

We all make mistakes.

Let's teach children that mistakes don't define who we are. It's how we handle those mistakes that matters.🧡

An important reminder from New Adventures in Motherhood

For real…

mrem.metrolist.net

Yes, this is so very deserved. We have the Best of the Best all working as a team with Unity and the highest of Integrity💕
I love Guide Real Estate

GUIDE Real Estate Our modern methods, upscale service and local experts are what clients in today's competitive real e

Rocklin 1-story. Open Friday 12–5
October 6, 2023
Call me today! 3645 Mountaingate 95677
Just Below Skyline Homes!
Best of Rocklin Ca.
This will go fast!

View listing info:

mrem.metrolist.net

For anyone and everyone…
If you have a camera, you probably care about your property and that of your neighbors.
When crime or important stuff happens and you need community support, or a murder gets loose? Your registered camera, allows the police to ask you if your camera capture anything during the time of crime.
It does not allow them into your cameras, it helps us all catch the bad guys fast or capture the direction of what ever it is happening.
Our men and women in Blue depend on Community and neighborhood watchfulness.
Please register your cameras today.
August 1, is neighborhood watch,” National Night Out!”
Please share and encourage all your neighbors to register their cameras.
Each of us can make a difference in the security and safety of our communities.

Got Mulch? It’s feee…

Mulch Mayhem Returns! - Saturday, May 6th Complete details at PCWA.net

https://youtu.be/lPSnBWumVrw

Rocklin Road Sierra College Corridor Multimodal Enhancements – Design Alternatives The City is proposing to reconfigure the interchange into a Diverging Diamond Interchange (DDI) and create a dedicated bicycle and pedestrian crossing of Int...

https://youtu.be/xtx3e-xQy40
Good news

BREAKING: Republicans Pass Bill To Ban Transgender Athletes From Women's And Girls' Sports The House of Representatives voted to pass HR 734, the Protection of Women and Girls in Sports Act of 2023.Fuel your success with Forbes. Gain unlimited acce...

Rocklin 95677 up on the hills of Sunset Whitney Country Club, now Recreation.
3 Bed, 2 Bath, 1,498 Sq.Ft. Huge lot, RV Access both side and front.
Hard to find, original owner since 1977.
2600 Plumbago Ct.

2600 Plumbago Ct. Rocklin, California by Robyn Buzdon 2600 Plumbago Ct. A life time of lifestyle living with magical memories in the heart of Rocklin, on top of the "Sunset Whitney Country Club Hills" (now Sunset Recreational),This is a rare chance to purchase in a neighborhood where very few homes ever hit the market. With just one owner since 1977 wh...

What a great way to celebrate with the entire family…💖👍💖🐾

Barktoberfest - Placer SPCA     Get Your Biergarten Tickets & Start Planning Your Costumes!   CANINE CONTESTS INCLUDE: Best Dog Costume Best Dog & Human Costume Best Oktoberfest Costume Best Musical Sit Best Pet Trick World’s Longest Tail World’s Biggest Ears World’s Tallest Dog  

I can help guide you with my network of professionals…
Experience matters in 2022

The Repairs That Will Help Sell Your House in a Cooling Market More sellers are remodeling properties to avoid cutting prices, though some projects pay off more than others

The Repairs That Will Help Sell Your House in a Cooling Market More sellers are remodeling properties to avoid cutting prices, though some projects pay off more than others

Love this idea

I love this idea for Christmas gift wrapping!

“Here’s some info to share.



We are seeing signs that we are already in a recession. The Federal Reserve is increasing the Federal Discount in an attempt to curb inflation, which usually pushes us into a recession.



The good news about a recession is that it pushes the price of gas down (and hopefully other things) and it usually results in lower mortgage interest rates.



First when you hear “The Feds are raising rates”, they are raising the “Federal Discount Rate”. This is the rate the Federal Reserve lends to big banks. This rate is also directly tied to the “Prime Rate”.

The Prime Rate is what affects credit cards, lines of credit, car loans, Home Equity Lines of Credit some student loans. (mortgage rates are tied to the Bond Market, which reacts to the stock market)



If you look at the fine print on your credit card statements, they all explain how they calculate the interest rate on your credit cards. Almost all of them use the “Wall Street Journal Published Prime Rate” as the “index” and add a “margin” (shown as a percentage) to the “index” (prime rate) to come up with the rate they are charging. When the prime rate moves, so will the rate on most of your credit cards.



For a VERY LONG time the “Federal Discount” was a ZERO. The “prime rate” is typically 3.0% above the “Federal Discount”. So the big banks had been borrowing money from the feds basically for free, as the “Federal Discount” was ZERO for so very long. This stimulates spending both by banks, corporations and eventually the consumers.



Right now the Federal Discount is 2.5%, making the prime rate 5.5%.



The Feds have increased their rate three times this year so far and will likely do it another 2-4 times, potentially bringing the Fed Discount to 4.4% by the end of the year (which would make the prime rate 7.4% by the end of the year).



It is rare for the Feds to increase the Fed Discount more than 0.5% at a time, the typical increase is 0.25%, however, this year is not a typical year.



They are increasing the rate to try to combat inflation. When money costs more to borrow, people and corporations start pulling back and not spending, which drives inflation down.



Powell is attempting to not allow the jobs market to be affected, but whenever people and corporations slow or stop spending, the net result is people lose their jobs, which raises unemployment, which turns into a “recession”. And this is a mixed bag, it is great for mortgage interest rates and real estate, but tough on some buyers.



Bottom line, is the market – both stocks and bonds – reacted very well to the news of increasing the rate and we saw some improvements in the mortgage rates.



We’ve already seen some improvement in the interest rates. We were in the 6’s and now we are in the 5’s.



It’s all good news for real estate and mortgage lending.”



Please call or text or email with any questions, any time! 😊



Sincerely,

Cyndi Romano

Vice President, Mortgage Lending – I Love My Job!

[email protected]

grarate.com/CyndiRomano

Cell: 916.207.4194 – Talk & Text

fax: 312.637.1754

4370 Town Center Blvd Ste 270, El Dorado Hills, CA, 95762
NMLS ID: 284063

Guaranteed Rate Affinity

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From: Cyndi Romano
Sent: Thursday, July 28, 2022 9:59 AM
To: [email protected]
Subject: Interest Rate Update



Good morning and happy Thursday! Here are the rates for today, please let me know if you have any questions 😊





BEWARE OF CYBER-FRAUD Before wiring any funds, call the intended recipient at a number you know is valid to confirm the instructions - and be very wary of any request to change wire instructions you already received. A Guaranteed Rate Affinity employee will never provide nor confirm wire instructions.

Sincerely,



Sender's photo

Cyndi Romano

Vice President, Mortgage Lending – I Love My Job!

[email protected]

grarate.com/CyndiRomano

Cell: 916.207.4194 Talk & Text

Fax: 312.637.1754

4370 Town Center Blvd Ste 270, El Dorado Hills, CA, 95762
NMLS ID: 284063

“When You Need A Loan, You Are NOT Alone!”



Meet My Guaranteed Rate Affinity Team:



Nicole Latzen, Mortgage Consultant | [email protected]

O: (916) 974131

Nicole is responsible for your loan from Application to Underwriting.
Veronica Gamboa Loan Coordinator | [email protected]

O: (650) 931-2628

Veronica is responsible for your loan from Underwriting to Closing.
Lauren Tully, Business Develop.Coordinator| [email protected]

O: (714) 830-9917

Lauren is responsible for initial flow of your loan application and will be connecting accordingly.


Misty Shomers, Process Manger |

[email protected]

O: (916) 916-246-4099

Misty is our Behind the Scenes “Ring Leader” who coordinates our team to ensure your application moves quickly through our system quickly & effortlessly.


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Voted Style Magazine, Foothills Community, #1 Best Mortgage Broker 2020 & 2021

El Dorado County Association of Realtors Affiliate Director 2016-2017

Po***ck Pines/Camino Chamber of Commerce Volunteer of the Year 2015

El Dorado County Association of Realtor’s Affiliate Citizen of the Year Award 2014

El Dorado County Association of Realtor’s President’s Award 2011

El Dorado County Association of Realtor’s Honor Our Troops Committee Chairperson 2010-2021

Women’s Council of Realtors El Dorado Chapter Treasurer 2009-2011 and 2016

Women’s Council of Realtors El Dorado Chapter Affiliate of the Year 2009



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Cyndi Romano at Guaranteed Rate Affinity (NMLS #284063) - VP of Mortgage Lending El Dorado Hills, CA 95762 Cyndi Romano at Guaranteed Rate Affinity (NMLS #284063) El Dorado Hills, CA, 95762 assists you with low cost home purchase, mortgage refinance and fast closings. Get approved online!

https://www.readyforwildfire.org/prepare-for-wildfire/get-ready/defensible-space/

Defensible Space - Ready for Wildfire Learn how to create Defensible Space, a buffer between your home and vegetation, can improve your home’s chance of surviving a wildfire.

Let’s make memories…
“I love Rocklin”

Park Pulse! https://www.rocklin.ca.us/ParkPulse

Neighborhood planning

https://www.rocklin.ca.us/event/rocklin-clean-day

Rocklin Clean Up Day - City of Rocklin 3 Drop Off Locations

Whitney Oaks, I hope you enjoy this video.
If you have plans to Buy or Sell in Whitney Oaks.
Consider interviewing with me to bring you top dollar in todays market.
I am the only Realtor that has been here since the groundbreaking and has lived here continually to this day.

https://youtu.be/legu2H_xbCg

Whitney Oaks Community in Northern CA Whitney Oaks

6211 Pleasant Valley Rd, El Dorado, CA 95623-4232 MLS #: 221131897, Historical Mix use with 3 buildings and public restroom. Built in the early 1900's once the old town post office, Bakery and medical office. Today it's A Consignment shop, and hair salon, private resident and two room studio, perfect for downtown coffee shop or wine shop. Minutes to...