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    <title>robwolfandassociates</title>
    <link>https://www.thejessicamrazgroup.com</link>
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      <title>A Solano County Legacy: Why This Team is a Win for Our Community</title>
      <link>https://www.thejessicamrazgroup.com/a-solano-county-legacy-why-this-team-is-a-win-for-our-community</link>
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           They say you can’t choose your family, but you can choose who you build a legacy with. For The Jessica Mraz Group, those lines are beautifully blurred.
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           I am incredibly proud to announce that my mother, Nanci Ladd, has joined forces with me and my longtime partner in business, Candice Zavala. This isn't just a business expansion; it is a homecoming.
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           Nanci is a second-generation Solano County local and has been a trusted Realtor here since 2003. She lived the history of these streets long before she started selling them.
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           Then there is Candice—a powerhouse Solano native and the absolute definition of tenacity. Candice and I have been best friends since we were 4 years old. From the playground to the closing table, we have worked together our entire adult lives. When Candice says she will find you a home, she doesn't stop until the keys are in your hand.
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           Together, we aren't just "agents". We are Solano County natives with a high-volume, professional business engine behind us. We specialize in the complex—whether it’s a "Right Size" move up or down, a high-conflict divorce sale, or project-managing a total home renovation to get you top dollar—we handle the heavy lifting so you don't have to.
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            Announcement for 
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           The Jessica Mraz Group | Solano County Legacy Campaign
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             details a business expansion that is also described as a "homecoming," focusing on the partnership of three women . 
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           Key Points of the Announcement:
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            The New Team Structure:
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             Jessica Mraz, Founder and CEO, is joined by her mother, 
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            Nanci Ladd
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            , and her longtime business partner, 
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            Candice Zavala
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            . 
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            Multigenerational Local Roots and Experience:
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            Nanci Ladd (Realtor):
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             A second-generation Solano County local and a trusted Realtor since 2003. She brings "deep-rooted wisdom and historical market knowledge". 
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            Jessica Mraz (Founder and CEO):
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             Also Solano-born and raised, she has built a high-volume operation specializing in "elite project management and luxury branding". 
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            Candice Zavala:
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             A Solano native described as a "powerhouse" and the "absolute definition of tenacity." Her professional partnership with Jessica is founded on a bond dating back to when they were four years old
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            Combined Expertise:
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             The group collectively offers 50 years of combined real estate experience. 
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             Specialization:
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            The team specializes in handling "the complex" and the "heavy lifting" for clients, including:
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            "Right Size" moves (moving up or down). 
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            High-conflict divorce sales. 
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            Project-managing total home renovations to maximize profit
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      <enclosure url="https://irp.cdn-website.com/ba4c522f/dms3rep/multi/teamwork-concept-with-office-supplies-on-wooden-de-2026-03-09-04-56-54-utc.jpg" length="650613" type="image/jpeg" />
      <pubDate>Mon, 04 May 2026 20:37:47 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/a-solano-county-legacy-why-this-team-is-a-win-for-our-community</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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      <title>BOTOX AND BUBBLES</title>
      <link>https://www.thejessicamrazgroup.com/botox-and-bubbles</link>
      <description>Coming soon!</description>
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      <pubDate>Tue, 29 Mar 2022 16:14:57 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/botox-and-bubbles</guid>
      <g-custom:tags type="string">Events</g-custom:tags>
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      <title>EASTER</title>
      <link>https://www.thejessicamrazgroup.com/easter</link>
      <description>You are invited to party with our peeps! 2,000 egg hunt / petting zoo / face painting / train rides / bounce house / cotton candy / hot dogs / mimosa bar for adults! RSVP via the email invite.</description>
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      <pubDate>Sun, 27 Mar 2022 16:14:59 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/easter</guid>
      <g-custom:tags type="string">Events</g-custom:tags>
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      <title>2021 DESIGN TRENDS</title>
      <link>https://www.thejessicamrazgroup.com/2021-design-trends</link>
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           10 Drastically Different Design Trends Will Be Everywhere in 2021—and Beyond
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           By 
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           Lauren Sieben
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           We’re finally closing the book on 2020, and many of us have never felt more desperate for a fresh start and a new beginning. And since it’s not like we’re leaving the house anytime soon, it makes perfect sense that the first place to start anew would be at home. (Plus, decorating and home renovation projects are a pretty good distraction from ever-present existential dread if we do say so ourselves.)
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           If you’re looking to do a design overhaul, you’re probably also looking for some inspiration—so we asked real estate and design experts to weigh in on what they anticipate will be the biggest home trends of 2021. It turns out, with all the stress that 2020 brought to our lives, it also influenced some defining changes in the way we decorate, design, and live in our homes.
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           So get cozy on your sunken-in couch cushion—you know, the one you’ve barely left since March 14—and join along for some inspiration as we prepare for the
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           new year.
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           1. Dedicated home offices
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           We can probably all admit: Working from the kitchen table was kind of cute when you thought you would be doing it for only a few weeks. But now? Not so much. That’s why, in 2021 (and beyond) home offices will be more important than ever.
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           “One of the most prevalent design trends currently is adding or renovating home offices. People are working from home and do not want to field calls from the kitchen table,” says 
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           Simon Isaacs
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           , owner/broker of Simon Isaacs Real Estate.
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           If you don’t have a spare room for an office, there are plenty of ways to get creative and set up a space with some personality. In fact, one of the biggest trends on Pinterest this year is the rise of the “
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           cloffice
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           ,” a portmanteau of “closet” and “office.”
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           “I’ve seen clients transform hall closet
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           s into amazing offices with high-gloss paint, some wallpaper, and a few shelves,” Isaacs says. “A can of paint can go a long way.”
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           2. Clearly delineated spaces
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           It’s quaint to think back on our obsession with open floor plans. They’re not completely passé (yet), but people are increasingly interested in closing off those wide-open spaces we so used to covet.
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           “The pandemic has completely shaped home design trends for 2020 and 2021,” Isaacs says. “Not only do people want to create a cozy shared living space, but they also are carving out areas to have some space to themselves.”
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           “The trend will be to create different living spaces within the open floor plan so people will have pockets or nooks in the home for e-learning, Zoom calls, a conversation, lounging, exercising, etc.,” adds 
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           Julie Busby
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           , founder of the Busby Group at Compass in Chicago.
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           The need for separate spaces is also shifting home buyers’ priorities in the new year.
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           “New buyers are asking for homes with more separation, as sometimes multigenerational families share a home and need space and privacy amongst themselves,” says 
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           Yorgos Tsibiridis
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            , a Hamptons broker at Douglas
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           Elliman.
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           3. Houseplants and indoor gardens
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           “During the pandemic when it was difficult for some to get their daily dose of nature, people started bringing the outdoors in with natural materials in their home,” Busby says.
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           With the pandemic raging on, the pros say the indoor houseplant trend is here to stay—which is good news for your collection of monsteras and air plants.
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           “For houseplants, definitely do your homework before investing,” she says. “Take into account your natural light, exposures, and how much you will remember
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           to water.”
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           4. Rattan accents
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           In line with the houseplant trend, natural materials are having a “huge moment,” Busby says. In particular, rattan is the material du jour, appearing everywhere from drink holders to bed frames.
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           Try out the trend by choosing a rattan accessory or accent piece that you love; just don’t go overboard.
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           “Rattan is best in small doses, so p
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           ick your favorite piece and work from there,” Busby suggests.
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           5. Wood-grain kitchen cabinets and counters
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           Organic touches are also sprouting up in the heart of the home: the kitchen.
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           “For the kitchen, our designer members are seeing more minimalist styles with touches of organic and natural materials such as wood grain—perhaps as part of a desire to connect with nature,” says 
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           Bill Darcy
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           , CEO of the National Kitchen &amp;amp; Bath Association.
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           Instead of painted kitchen
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           cabinets or the ubiquitous all-white kitchen, expect to see homeowners embracing a more natural look with wood-grain cabinets and wood countertops on islands.
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           6. Next-level playgrounds
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           Speaking of connecting with nature, 2020 has taken our cabin fever to record levels. Experts say enhanced outdoor spaces will continue to trend in the new year—including elaborate custom playgrounds, which Isaacs says are one of the hottest trends he’s seeing right now in South Florida.
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           To create the ultimate kids’ club, homeowners are even going beyond store-bought swingsets and 
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           adding zip lines, adventure courses, and climbing walls
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            to their backyard playgroun
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           ds.
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           7. Outdoor kitchens
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           Multiseason spaces that feature “fireplaces or fire pits, patio/deck areas, or screened-in porches that can be used year-round” are on the rise, Darcy says. That includes outdoor kitchens, which 
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           have become more popular than ever during the pandemic
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           .
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           An outdoor kitchen can be as elaborate (read: expensive) or as modest as you like. Some homeowners may simply add an outdoor refrigerator and dining area to the backyard to create an expanded entertaining space. Others will invest in a stovetop, ample counter space, and appliances to create a fully equipped outdoor kitchen.
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           8. Smart bathroom innovations
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           Photo by Change Your Bathroom, Inc.
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           We won’t soon forget the Great Toilet Paper Shortage of 2020, when grocery shelves were cleared of Charmin and bidets sold out at home improvement stores.
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           Never embraced the bidet in your home bathroom? Well, hold on to your butts: That’s just the start of things—you can expect to see a slew of new bathroom innovations in 2021 as homeowners continue to focus more than ever on hygiene (and perhaps prepare for the next Great Toilet Paper Shortage).
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           “Touchless appliances, in
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           cluding motion sensors for lighting, and smart temperature control for bathroom floors will be more popular in the next year,” Darcy says.
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            9. Retro furniture and
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            ﻿
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           color palettes
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           The pandemic brought on 
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           a serious wave of nostalgia
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             for people seeking comfort from the past, and Busby says that wistfulness will influence our home decor
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           in 2021.
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           Expect to see funky color palettes (think mauve, forest green, and burnt orange) and furniture throwbacks like ’80s curves and ’90s traditionalism.
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           “I think people are nostalgic for simpler times, and we are seeing this desire reflected back in home design,” Busby says.
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           An easy way to try the trend for yourself is with a quick coat of paint.
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            “Pick a bold color and one wall, or
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           a smaller bathroom, and paint your way back to the ’80s or ’90s,” Busby says.
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           10. Cozy, layered vibes
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           Photo by Urbanology Designs
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           “Overall, the design pendulum is swinging to be more traditional,” Busby says.
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           That means warm colors and natural wood in lieu of cool grays and blues. Instead of stark white minimalism, expect to see more color and personality in 2021’s home decor—less uber-modern and more boho chic.
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           So go ahead and pile on thos
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           e mismatched blankets and throw pillows, and don’t be afraid to embrace a design that reflects your personality.
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&lt;/div&gt;</content:encoded>
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      <pubDate>Mon, 14 Mar 2022 17:36:11 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/2021-design-trends</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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        <media:description>thumbnail</media:description>
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    </item>
    <item>
      <title>SELLING YOUR HOME WITHOUT AN AGENT</title>
      <link>https://www.thejessicamrazgroup.com/dont-sell-your-home-without-an-agent</link>
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      <content:encoded>&lt;div&gt;&#xD;
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           Before you read, we do not think you should sell your home without an agent. Find out why below.
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           As an Agent, I realize saying don’t sell your home without my help can come off self-serving. However, the facts show that statistically, sellers get more for their home when selling their home with an Agent. Selling your Home with an agent gives you first; the piece of mind that your interests are being cared for. Second, all legalities in the process are being handled by professionals who are accountable for the selling process on your behalf.
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           Several independent studies have been conducted the results being the same. Even after any fees that come along with contracting a professional Real Estate Agent and usually a team of experts to handle your home sale, and your new home purchase. Far more often than not, the listings handled by agents net higher sale prices, get the seller more for their greatest asset, most important purchase ever made, and create the opportunity to utilize more capital into the net home purchase.
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    &lt;a href="https://robwolfandassociates.com/" target="_blank"&gt;&#xD;
      
           Rob Wolf &amp;amp; Associates at RE/MAX Gold Granite Bay is one of the most innovative Real Estate teams in Placer, Sacramento &amp;amp; El Dorado counties.
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           © 2020 Rob Wolf &amp;amp; Associates. All Rights Reserved.
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      <pubDate>Mon, 14 Mar 2022 17:36:09 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/dont-sell-your-home-without-an-agent</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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      <title>FOLSOM SUB DIVISIONS MAP</title>
      <link>https://www.thejessicamrazgroup.com/neighborhoods-of-folsom-california-sub-division-map</link>
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           Thank you 
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           MyFolsom.com
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            for the Image above.
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           Folsom is one of the most sought-after suburbs in the greater Sacramento area. Commonly known for Johnny Cash and “Folsom Prison Blues” and the beautiful Folsom Lake. Folsom Lake brings outdoor fun right to the backyard of its residence, allowing numerous walking trails, Horseback riding, Fishing, Boating, and Beachfront swimming. Housing is so much of what makes California so uniquely unmatched as a place Californians are lucky to call home.
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           The population was 72,203 at the 2010 census. The median home price in Folsom is $624,000 with the average household income at $102,692.
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           Less than two hours from Olympic Class skiing and Snowboarding at numerous resorts including the famous Squaw Valley, Lake Tahoe is a short drive up Hwy 50 a destination location for travelers from around the globe. Lake Tahoe is known for its year-round outdoor entertainment, as boating, swimming, and fishing, all happen in one of the deepest known Lakes in the United States.
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           Each of the Neighborhoods of Folsom has
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           their own unique vibe with the combination bringing diversity and culture fitting together in such a fantastic and complimentary fashion sure to be embraced by anyone searching for a place to call home.
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           Click on any of the Neighborhoods below in order to begin the search for your new home or investment property today!
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           1. American River Canyon Nort
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           2. American River Canyon
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           3. Historic Folsom
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           4. Central District
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           5. Briggs Ranch 
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           6. The Parkway 
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           7. Empire Ranch 
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           8. Broadstone
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           9. Lexington Hills 
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           10. Willow Spring
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           11. Prairie Oak
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           12. Natoma Station
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           Some Great sources to Learn more about Folsom listed below!
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           www.historicfolsom.org/
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           http://visitfolsom.com/
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           Rob Wolf &amp;amp; Associates at RE/MAX Gold Granite Bay is one of the most innovative Real Estate teams in Placer, Sacramento &amp;amp; El Dorado counties.
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      <pubDate>Mon, 14 Mar 2022 17:36:08 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/neighborhoods-of-folsom-california-sub-division-map</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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      <title>UPGRADE YOUR HOME, DOWNGRADE ENERGY USAGE 7 EFFICIENT HOME IMPROVEMENT PROJECTS</title>
      <link>https://www.thejessicamrazgroup.com/upgrade-your-home-downgrade-energy-usage-7-efficient-home-improvement-projects</link>
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           The best home upgrades not only make spaces more livable and energy-efficient but are also cost-effective. Making energy-efficient improvements is a savvy way to save money on utility bills, curb energy usage and add to the house’s value.
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            Consider a variety
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           of home improvement projects, both big and small, that can reduce the financial burden of maintaining your home throughout the year and improve energy efficiency.
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           Add Insulation
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           A cost-effective way to save on heating and cooling bills is adding a layer of insulation in the attic where heat loss is typically greatest due to hot air rising. While many newer homes are adequately insulated, those that are several decades old (or older) may benefit from an upgrade in not only the attic but other common problem areas where air can escape such as basements, crawl spaces, fireplaces, and ductwork.
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           Seal Doors and Windows
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           Windows and doors are common culprits for energy loss. While a complete replacement of doors and windows can be pricey, adding exterior caulk and weather stripping to fill in gaps where air can escape around this openings can make a noticeable difference for a fraction of the cost and make it cheaper to heat and cool your home.
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           Install Skylights
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           Skylights are a cost-effective option for transforming any room in the home with natural light while also delivering energy-saving benefits. For example, Sun Tunnel Skylights from Velux can be installed in as little as 90 minutes and funnel natural light from the roof through the attic and into the room below with an anesthetic that resembles recessed lighting. Customizable with six diffuser film styles to complement the interior design, the skylights can make a home more energy-efficient by reducing reliance on artificial lighting. An optional daylight controller makes it easy for homeowners to adjust natural light entering a room, and a solar nightlight provides a moon-like guiding light at night. Installed with the solar nightlight, the skylights qualify for a 26% federal tax credit on solar property.
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           Add Reflective Window Film
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           When the sun shines through windows, it can heat up the home’s interior quickly and trigger the air conditioner to turn on. Window coverings, such as blackout curtains, can help, but adding Low-E reflective window film to your windowpanes, particularly southern-facing ones, can provide an additional shield from the sun’s hot rays and reduce energy costs.
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           Install a Programmable Thermostat
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           A programmable thermostat is an efficient way to control the climate inside your home, and those with smart technology take programming to a whole new level. Today’s smart thermostats not only let homeowners control temperatures from their smart devices while on the go but can also learn daily habits and adjust the temperature accordingly with no other manual adjustments necessary. In addition, some utility companies offer incentives like money back at the end of the year for installing a smart thermostat because the energy savings are so substantial.
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           Replace Appliances
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           Because appliances like refrigerators and ovens, among others, are major energy users, investing in more efficient models provides both cost and energy savings. Additionally, homes more than 15 years old could benefit from updates to the air conditioner or heater as systems 15-20 years old or older may be candidates for replacement as they’re inefficient by today’s standards.
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           Add Ceiling Fans
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           In comparison to running your air conditioner consistently, the cost of running a ceiling fan (or several) is significantly less. Particularly on days that may not require cooling the entire house completely, fans can provide a gentle breeze and circulate air in the spaces you use most often. Simply adjust the switch to the counterclockwise position to ensure it’s pushing air downward during warmer months.
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      <pubDate>Mon, 14 Mar 2022 17:36:07 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/upgrade-your-home-downgrade-energy-usage-7-efficient-home-improvement-projects</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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      <title>MAKING YOUR FIRST HOME PURCHASE</title>
      <link>https://www.thejessicamrazgroup.com/how-to-buy-your-first-home-what-to-know-with-wolf-and-associates</link>
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           It goes without saying that buying your first home is a major decision. Part of the American dream, Homeownership and the Independence it represents is also seen as a right of passage into Adulthood. When done with highly rated Real Estate Agents in your area it can also be a great investment and a step towards securing your financial future. Choosing the right agent is a major factor in the process. You need a group of associates that are dedicated to finding a place that will suit your needs provide the option for a steady return on your property based on the estimated growth of the area you choose. Rob Wolf and Associates have the track record and the carefully constructed team to make sure that you are fit into a home you can afford and call home, whether it be a forever home, an investment property, or
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           a starter home.
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           The First step is to decide if it is the correct time for you to purchase. Aside from what is going on in the market at the time you begin to consider buying the first
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           thing you need to consider is your ability, financially, with stability, and depending on the loan to also have a plan to live in the home for at least 5 years.
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           With the skyrocketing and scarcity of rental properties around the greater Sacramento area, including Folsom, Granite Bay, Roseville, Rocklin, El Dorado Hill, and even Auburn and Elk Grove it's no wonder most ar
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           e beginning to consider buying homes again at a younger age. After considering the am I stable and stationary enough to begin your home search and have a real estate office on your side like Rob Wolf and Associates in Granite Bay, it is time to talk to a loan officer in order to get pre-approved and find out how much home you can afford. Having the Pre-Approval letter makes any offer on a home you submit for stand out as the Seller already knows that there will most likely be no funding issues during Escrow.
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            1. Find out home much home you
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           can afford
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           And check your credit report, people are always shocked to see the amount of inaccuracies that are regularly on their credit and can have a serious impact on the outcome of their loan application.
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           Get in touch with a Lender here
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           Once approved for a home loan you can quickly find your desired area based on how much home and what amenities you need for example the amount of homes you are able to get in Elk Grove, Orangevale, Antelope, and Lincoln in size is much larger and usually newer than a home you would be able to afford in Folsom, El Dorado Hills, Roseville, or Granite Bay.
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            2. Save for Down payment and
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           Closing costs
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           Typically, you will need 3.5% to 20 % for your down payment, depending on the type of loan your lender is able to secure for you. However, it's always a good idea once you reach that number to keep setting some money aside for any unforeseen costs that may arise during closing or move-in cost and any items you may want to fix before moving in that are not part of the deal accepted by the seller to have taken care of.
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           3. Get your documents in Order
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           It's important to have already organized all financial documentation that may be required to prove income and show tax records sometimes for more than just the previous year. Put yourself in a good position by organizing these at an early stage in your home search to remove the stress this may cause you otherwise. You need to verify your finances on the mortgage application: paystubs, W-2s, bank statements, and, if you have freelance or self-employment income, copies of your last two tax returns.
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           4. Don’t Forget Home owner’s insurance
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            There are many great tools you can utilize online or
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            ﻿
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           by calling your current insurance agent several Auto insurances agencies also provide or partner with a homeowners insurance broker. Another great source is 
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           Young Alfred
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           .
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           By: Nick Marquez
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           Topmarketingllc.com
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           Rob Wolf &amp;amp; Associates at RE/MAX Gold Granite Bay is one of the most innovative Real Estate teams in Placer, Sacramento &amp;amp; El Dorado counties.
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           © 2020 Rob Wolf &amp;amp; Associates. All Rights Reserved.
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      <pubDate>Mon, 14 Mar 2022 17:36:04 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/how-to-buy-your-first-home-what-to-know-with-wolf-and-associates</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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    <item>
      <title>SELLING YOUR HOME? YOU NEED THIS TOOL!</title>
      <link>https://www.thejessicamrazgroup.com/selling-your-home-you-need-this-tool0fccfc39</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
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           Click Below To Try it Now!
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    &lt;a href="https://robwolfandassociates.com/valuation-request/" target="_blank"&gt;&#xD;
      
           Home Valuation Tool
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           What is an AVM?
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           An AVM is a computer-generated algorithm that uses historic, public sales data and trends to estimate a home’s value.
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           Are AVMs Accurate?
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           Typically, national AVMs are not a good representation of a home’s actual value and have a large margin of error. The values generated by AVMs are based on automated computer modeling from public records and may not represent the true value of the home as they cannot take into account the nuances of our local market.
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           How Do I Get a More Accurate Estimate?
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           For the most accurate estimate, 
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           contact us
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            to request a Comparable Market Analysis (CMA). This report is personally prepared to give you a clear understanding of competing properties, market trends, and recent sales in your area.
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           What is a Comparative Market Analysis (CMA)?
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           A CMA is a free report prepared personally by one of our agents that compares your home to similar properties in your neighborhood that are currently for sale or have recently been sold. By taking into account certain aspects of a home that may affect its value and marketability, including market conditions, location, and the home’s amenities and overall condition, our agents are able to better assist you in determining the value of your home.
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      <pubDate>Mon, 14 Mar 2022 17:36:03 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/selling-your-home-you-need-this-tool0fccfc39</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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      <title>5 FEES TO KEEP IN MIND AS YOU BEGIN TO BUDGET</title>
      <link>https://www.thejessicamrazgroup.com/5-fees-to-keep-in-mind-as-you-begin-to-budget</link>
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           Purchasing a home is arguably one of the biggest financial decisions you will make in your lifetime. As you start your hunt, don’t forget there will be other costs associated with your purchase than the price of the home. Here are 5 fees to keep in mind as you begin to budget.
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           Home inspection
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           This is a crucial step in the home buying process. The findings that come from the inspection can help you negotiate price and repairs. Generally, you can expect to pay between $300 to $500 depending on the home and the location.
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           TAXES
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           The taxes each buyer pays at the closing table differ, but it is not uncommon for it to be up to two months’ worth of county and city property taxes. Additionally, there may be taxes for the transfer of the home title.
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           Title services
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           Title services encompass the transfer of the title from the seller and a thorough search of the property’s records to ensure to no one will pop up with a claim to the property. Additionally, you may need to buy title insurance which will protect the lender or your investment in the home.
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           Appraisal fee
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           Before getting a loan, you will likely be required to get an appraisal of the home to determine its estimated value. This will be conducted by a third-party company and the cost can land anywhere between $300 and $1,000, depending on the size of the home.
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           HOA fees
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           Many communities have a homeowners’ association that enforces monthly fees. This money is used for general maintenance and updates to areas like pools, parks, and more. Typical HOA fees are around $200 per month.
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      <pubDate>Mon, 14 Mar 2022 17:36:02 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/5-fees-to-keep-in-mind-as-you-begin-to-budget</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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      <title>THE DIFFERENCE BETWEEN HOME WARRANTY &amp; HOME INSURANCE</title>
      <link>https://www.thejessicamrazgroup.com/the-difference-between-home-warranty-home-insurance</link>
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            When purchasing a new home, it’s important to do
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            in-depth research on all facets of the homebuying process. One thing you’ll need to understand is how
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            ﻿
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           to
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           best protect yourself and your investment if anything were to go wrong. Check out the information on home insurance versus home warranty below
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           to educate yourself on your options.
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           HOME INSURANCE
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           Homeowners insurance pays for any accidental damages and loss that are caused by fire, lightning strikes, windstorms, and hail, however, damage from earthquakes and floods is typically not covered. It also covers the replacement of personal property in case of theft or damage and liability if a person were to get injured in your home or on your property. According to American Home Shield, the average annual cost of a homeowner’s insurance policy ranges between $300 and $1,000, and the bank usually asks you to obtain a policy before the mortgage is issued. Make sure to keep in mind that each type of coverage in the policy is subject to a limit and, in most cases, you will have to pay a deductible.
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           HOME WARRANTY
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            A home warranty is designed to cover the cost of repairs and replacements of larger appliances and crucial systems in your home that may fail or break due to age and wear and tear. This includes but isn’t limited to HVAC, electrical, or plumbing components, kitchen appliances, and your washer and dryer. With a home warranty, you are required to pay premiums year-round, even if you do not use it, and it won’t cover damages if appliances were not maintained properly
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            ﻿
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           or if the damage is from a fire or other disaster.
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      <pubDate>Mon, 14 Mar 2022 17:36:02 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/the-difference-between-home-warranty-home-insurance</guid>
      <g-custom:tags type="string">Blog</g-custom:tags>
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    <item>
      <title>HOW TO REALLY DECLUTTER YOUR HOME FOR BUYERS</title>
      <link>https://www.thejessicamrazgroup.com/how-to-declutter</link>
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           Your real estate agent has come to your house to assess what needs to be done to sell it the quickest. The word, “declutter,” continues to come up. You assure your agent that you are a very neat person and that everything will be clean when the potential buyers come to view it. Many sellers encounter the same situation each day. What agents wish their clients would understand is that decluttering is more than just keeping the baseboards dust-free and the countertops wiped down. Try some of the following tips and wow your real estate agent, and especially, your buyers.
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           With pen, paper and clipboard in hand, tour the outside of your home, then the inside. As much as possible, pretend that you don’t own the house and even that you’ve never seen the place. You will quickly see what your real estate agent meant by decluttering when you use this new perspective. Write down anything which is the least bit offensive to the eye, including unruly hoses, toys in the front yard, a busy mantle above the fireplace and newspapers stacked up in the laundry room. The list will seem longer the more times you go through the process. However, the more you notice, the more prepared your home will be for eagle-eyed buyers.
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           The biggest stumbling block for sellers preparing their home for the market is their lingering attachment to their house. From repainting a room neutral, to taking family photos off the wall, sellers must accept that their time in that particular house is coming to an end. To counteract this mental block, take your most personal items out of rooms first. Get plenty of clear plastic tubs, or boxes to store your items. Treat the decluttering process as if you are preparing a model home for viewing. In order to sell your home, you have to give the buyers room to imagine their personal belongings. Little forward-thinking daydreams about decorating your new abode should also counteract those strong attachments.
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           A good round of decluttering will often leave you with a pile of boxes and bins to contend with. Although stacking them up in a closet seems like a nice, out-of-the-way option, this may not be the best choice. Consider that closet space is often one of the key selling points for a home. Closets should look as impeccable as possible. This will aid greatly in creating a spacious feeling. If the closets are crowded and messy, the buyer may think that your home is just not big enough, even if it has the square footage they want.
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           Your garage is the most acceptable place for storage in the mind of the buyers. Of course, not everyone has this luxury. If you can convince a family member, friend, or even a neighbor to let you store those boxes and crates, then take advantage of the opportunity. However, if you really need or want your storage items in the house, then try to stack them up in the least conspicuous place you can find. A playroom or basement can usually stand to have a few of these bins stashed in the corner. Better yet, think about renting a temporary storage facility to house these things.
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           Despite all your efforts, be prepared to hear your real estate agent tell you that you still have too many belongings cluttering the house. If this happens, just remember that they’re on your side and that they’re the expert. Also, remember that a well-decluttered house is your quickest ticket to a “Sold!” sign.
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           By: Bob Lipply
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      <pubDate>Mon, 14 Mar 2022 17:36:00 GMT</pubDate>
      <guid>https://www.thejessicamrazgroup.com/how-to-declutter</guid>
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      <title>HOME STAGING</title>
      <link>https://www.thejessicamrazgroup.com/home-staging</link>
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           HOME STAGING – AN ESSENTIAL MERCH
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           If you are wondering what Home Staging (or House Fluffing) is all about, here is a definition for you: Encarta dictionary defines Home Staging as the act of “beautifying a home for sale: cleaning, repairing and updating the décor and furnishings of an older home to make it more attractive when shown to potential buyers.” Actually, I believe that ANY home can use some staging before being put on the market. Remember, the way we 
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           sell
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            a property are two completely different things. When we sell a property, there is no room for emotions – after all, it’s probably our biggest financial investment and, so, we want the biggest possible return on it!
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           The concept dates from the 1970s when a California realtor and decorator noticed that the properties she took the time to «stage» sold faster and for more money than the average. Today, it’s an important marketing/merchandising tool in the USA (and spreading to Canada from the West) for the realtors and the homeowners alike and it’s especially important in a slow market, where you need every advantage over your competition. TV shows, such as Designed to Sell and Flip that House demonstrates that a bit of effort and a small investment can transform a property and make a BIG difference at sale time!
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           The logic is strikingly simple: when you decide to sell your used car, wouldn’t you clean, wash and fix it up before reselling it? You should do the same for your house, which is probably your biggest investment and presents an opportunity for the biggest return.
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           First impressions count for a lot, especially today when most buyers pre-select the properties they are interested in on the Internet. If your photos don’t show your house at its best, you are probably missing out on dozens of potential buyers. The same is true for the visitors – when they come, make them feel «at home», create that first impression which will make them fall for YOUR house.
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           Statistics vary from marketplace to marketplace but, on average, a staged home can sell 30%-50% faster and for 2%-10% more money than a comparable “unstaged” home. So, a few hundred dollars invested can bring you back thousands! And a home staging consultation costs a lot less than a first price reduction on the property.
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           A professional Staging consultant looks at your property with a buyer’s eye and will recommend some easy and inexpensive solutions to enhance its value – such as decluttering, depersonalizing, and reorganizing your furniture and artwork.
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           The end result: your house «shows» better than its competition and it sells faster and for more money!
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      <pubDate>Fri, 11 Mar 2022 22:08:57 GMT</pubDate>
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      <title>CHRISTMAS</title>
      <link>https://www.thejessicamrazgroup.com/christmas</link>
      <description>You are Invited! to our re-scheduled "Cocoa, Mimosas &amp; Santa" event! At Wolf &amp; Associates, we believe in GIVING BACK and SUPPORTING LOCAL. We are very excited to team up with "Wit &amp; Whimsy Toys" and "Michaelangelos" in the Granite Bay Town Center, Enjoy hot cocoa, grab a mimosa, get your pics with Santa all while shopping for the special people in your life!</description>
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      <pubDate>Tue, 01 Mar 2022 17:15:00 GMT</pubDate>
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