Contact Us

Mary Willett - Realtor®
LYON Real Estate
Sierra Oaks Office, Sacramento, CA.
text/voice: (916) 715-0122
CA BRE #01395007
Bob Willett - Senior Loan Officer
Big Valley Mortgage
Sacramento CA.
Mobile/Text: (916) 485-7939
NMLS# 238076
CA BRE #00880266


A History of California Home Prices



49% of all Sales under $200K – CASH

Wow – my colleague Ryan Lundquist posted the most interesting article about home sales under the $200,000 mark. His analysis shows that FHA deals have suffered as cash has become king in that price point.  See blow and read more about it here. Very interesting stuff. What do you think?

Chart of Cash FHA and Conventional Sales in Sacramento County - by Sacramento Appraisal Blog


Nows the Time to Buy – Yes and here’s why . .


Good Advice from the DRE

The California Dept. of Real Estate recently issued the following practical advice to prevent consumers from falling victim to a scam:

Never pay an upfront fee for loan modification services. Such fees are illegal. Watch out for promises of guaranteed success. No one can promise that a loan modification will be successful. Ask questions, get [...]


Mortgage rates are great, if you qualify

Interest rates are near historic lows and home prices are affordable; however, many borrowers are finding they must have nearly pristine credit records and hefty down payments to get the best rates.

Making sense of the story

Since 2009, credit standards have become much tighter.  For borrowers, this emphasizes the importance of paying close attention [...]


Now is the time to Go Green!

A new statewide program launched this week in California that will give homeowners rebates worth up to $4,000 if they make significant energy-efficient improvements to their house. Find out more here:

  And if you are in the process of buying a home don’t forget the Energy Efficient Mortgage (EEM). With the EEM you [...]


No Money Down = Bad Loan, Not Always

There is so much conversation going on about bad loans it makes you almost not want to even think about buying a home. But if you have a solid job and have paid your bills on time you can buy a home (read our thread about First Steps), even if you have not saved a [...]


Can’t Make Your House Payment? Be careful who you trust!

WASHINGTON — Federal regulators have banned eight individuals and companies from selling mortgage-relief services, settling charges that they used false advertising to deceive homeowners facing foreclosure.

The Federal Trade Commission said Monday that it has ordered the firms and individuals to return $29.2 million in fees that they allegedly collected from clients. However, some of [...]


Making Sense of the New California Homebuyer Tax Credit.

If you listen to news reports it really sounds great – wait until May 1 to close escrow and quality for $18,000 in tax credits. WOW could it really be that simple. Maybe not, if you read the fine print in the California State bill, but don’t let that stop you. Just be an informed [...]


New California Home Buyer Tax Credit

Late this afternoon, Gov. Schwarzenegger signed Assembly Bill 183, the Homebuyer Tax Credit legislation, into law.  AB 183 will provide $200 million for home buyer tax credits, allocating $100 million for qualified first-time home buyers of existing homes and $100 million for purchasers of new, or previously unoccupied, homes. The eligible taxpayer who purchases a [...]