First Community

Bretton Woods

Bretton Woods, Rooted in the Heart of Davis, CABretton Woods, DeNova Homes’ newest 55+ Active Adult Community, is now open in Davis,Ca. At Bretton Woods, we proudly offer 247 homes across three distinct design styles: Bungalows, Greenway Homes, and Cottages. These energy-efficient homes are designed to meet the evolving needs and lifestyles of their residents. Whether you are looking for a single-family home or a charming duet cottage, there’s a perfect fit for everyone.Amenities include a clubhouse, pool, bocce ball courts and countless walking trails. Located in the vibrant city of Davis and conveniently located across the street from Sutter Davis Hospital, Bretton Woods promises an engaging, vibrant lifestyle with the added comfort of having medical care readily available. Nestled in the heart of Davis, this community benefits from the city's unique blend of small-town charm and modern amenities. Enjoy easy access to a bustling downtown with diverse dining options, and numerous parks and green spaces perfect for outdoor activities. With its vibrant cultural scene and commitment to sustainability, Davis offers a welcoming environment for residents of all ages.

Parella Estates

8710 Morning Glory Way

This property is approved for a Rate Buy Down; see details below. Price: $689,900 • 5 Beds • 3 Baths • 2,735 sq ft • Single‑Family Home • Built 1996 • Approved Rate Buydown Available!!Great news: the seller is offering credits to buy down your mortgage rate, lowering monthly payments and making this home more achievable for first-time buyers or those watching their budget. Ask for a customized financing example to see the impact immediately.Welcome to 8710 Morning Glory Way, a spacious two-story home in a desirable Elk Grove court. With 5 bedrooms and 3 full bathrooms—including a convenient downstairs bedroom and remodeled bath—this 2,735 sq ft residence blends comfort, style, and functionality.Step into soaring vaulted ceilings in the formal living and dining areas, while the open family room with a cozy fireplace flows seamlessly into the updated kitchen, featuring granite countertops, a convection oven, and generous cabinetry. The expansive primary suite is a true retreat, offering two walk-in closets, dual vanities, a soaking tub, and a separate shower. Most bedrooms include walk-in closets, providing ample storage throughout.Recent upgrades such as fresh interior paint and a new HVAC system (2023) ensure peace of mind. Outdoors, enjoy California living with a sparkling built-in pool and spa, artificial turf in front and back for low maintenance, and RV access with a dedicated drive strip.Located near top-rated Elk Grove schools, parks, shopping, dining, and commuter routes, this property offers both convenience and lifestyle.A rare combination of space, amenities, and built-in savings. Don’t miss your opportunity to make 8710 Morning Glory Way your new home. Contact us today for details and a private tour!

5806 N El Dorado St

This property is approved for a Rate Buy Down; see details below. Price: $399,999 • 3 Beds • 1 Baths • 1,488 sq ft • Single‑Family Home • Built 1954 • Approved Rate Buydown Available!!Great news: the seller is offering credits to buy down your mortgage rate, lowering monthly payments and making this home more achievable for first-time buyers or those watching their budget. Ask for a customized financing example to see the impact immediately.Welcome to 5806 N El Dorado St, a charming single-story home in the established Holiday Park neighborhood of Stockton. This 3-bedroom, 1-bath residence offers 1,488 sq ft of inviting living space on a generous 7,501 sq ft lot, blending warmth, functionality, and convenience.The flowing layout is anchored by a cozy living and dining area with a stone fireplace, perfect for both gatherings and quiet evenings at home. The remodeled kitchen features stone countertops, stylish cabinetry, and a comfortable workspace designed for everyday living. Natural light fills each room, highlighting the home’s welcoming atmosphere.A semi-converted garage adds versatility, ideal as a 4th bedroom, family room, or formal dining space. Additional highlights include vinyl plank and wood flooring, a gated iron entry with automatic openers, and a spacious backyard complete with a gazebo for outdoor entertaining or relaxation.Set on a private corner of the neighborhood, the property also offers a charming front porch—perfect for morning coffee or evening sunsets.Beyond the home itself, the location is a true asset. You’ll enjoy proximity to St. Mary’s High School, San Joaquin Delta College, and the University of the Pacific, along with nearby shopping, dining, and entertainment. Convenient commuter routes add to the appeal.A rare combination of character, flexibility, and value, this residence represents one of Stockton’s best opportunities. Don’t miss your chance to make 5806 N El Dorado St your new home. Contact us today for details and a private tour!

Rate Buy Down 3736 Knightlinger St

This property is approved for a Rate Buy Down; see details below. Rate Buy Down – 3736 Knightlinger St, Sacramento, CA 95838A Rare Opportunity For Both Homeowners and InvestorsTwo brand-new single-family homes on one fully fenced corner lot—each thoughtfully designed for comfort, energy efficiency, and privacy. Built in 2024 with quality finishes and no HOA, this property is a rare opportunity for both homeowners and investors.Built in 2024, this exceptional new-construction property features two modern 3-bedroom, 2-bath homes on a spacious corner lot. Ideal for investors or multi-generational living, each home offers its own driveway, separate entrance, and 2-car garage—all framed by clean, durable iron fencing for privacy and curb appeal.Front Home Features3 beds, 2 baths, 2-car garage with private drivewayBright, modern kitchen with quartz countertops and a pot-filler faucetOpen-concept design with laminate floors, ceiling fans, and central HVACPrimary suite with dual-sink bath and walk-in closetFully paid solar system to lower your energy billsBack Home FeaturesPrivate 3-bed, 2-bath layout with separate entrance and garageUpdated flooring, modern kitchen, and flexible space for tenants, guests, or extended familyIdeal for additional income or multi-generational livingBuyer-Friendly PricingListed at $750,000 with recent $25K price improvementEnjoy the benefit of a rate buydown using seller credits—ask for a custom scenario!Great opportunity to maximize cash flow or reduce long-term interest costsIdeal ForFirst-time buyers looking for affordability + move-in-readyInvestors interested in dual rental incomeBuyers seeking multigenerational living with financial flexibilityDon’t miss your chance to own two turnkey homes with modern comfort and built-in savings.Contact us for and details!

Listing - For Sale

What's special about 783 Altessa DrivePayment AffordabilityGas Fireplace - Spa with Waterfalls Elegant Tile Finishes - Spacious Primary Suite Open-Concept Living - Downstairs Bedroom Separate Soaking TubDiscover the charm and comfort of 783 Altessa Drive—a lovingly cared-for 4-bed, 3-bath home nestled in one of Brentwood’s most sought-after neighborhoods. Step inside to find a flexible downstairs suite—perfect for guests or a home office—with its own full bath. The heart of the home is the chef-ready kitchen, featuring a gas cooktop, center island with breakfast bar, and seamless flow into the cozy family room anchored by a gas fireplace. Entertain in style in the formal dining area, graced by vaulted ceilings and abundant natural light.Upstairs, unwind in your spacious primary retreat, complete with elegant tile finishes, a separate soaking tub and stand-alone shower. Two additional bedrooms and another full bath offer plenty of room for family or visiting friends. Outside, your private oasis awaits: dive into the sparkling pool, relax in the spa with cascading waterfalls, and enjoy the added benefit of solar panels for lower energy bills. All this, just minutes from award-winning schools, scenic parks, and premier shopping—within a quiet, friendly community you’ll love coming home to.

Price Drop or Rate Drop?

Price Drop or Rate Drop? How to Bring Affordability Back Affordability is crucial in today’s market. If a seller has $15,000 to help close a deal, should they drop the price or reduce the interest rate?➡️ Price Drop ($15k Reduction)New Price: $485,000Monthly Savings: $106.47Effect: Helps bring in buyers qualified for $485,000 but only saves a small amount each month ➡️ Rate Drop ($15k to Lower Rate)Interest Rate: Reduced from 6.99% to 5.99%Monthly Savings: $311.56Effect: Makes the home affordable to buyers, originally approved at $459,000 significantly expanding the pool of potential buyers ➡️ Key TakeawayPrice Drop: Attracts buyers at $485,000Rate Drop: Attracts buyers previously qualified at $459,000For Buyer's Agents: Use this strategy to help clients afford higher-priced homes without overextending their budgets. Negotiating a rate reduction is often a better solution than a simple price cut to make homes more affordable.Let’s work together to bring affordability back and make the market work for everyone!

The Next-Gen Home Owning Guide

Next-Gen Home-Owning Guide:Step 1: Understand Your Financial SituationAssess Your Credit Score: Obtain your credit report and check your score. Aim for a score above 620 for most conventional loans, but the higher, the better.Calculate Your Debt-to-Income Ratio (DTI): Add up your monthly debt payments and divide by your gross monthly income. A DTI of 36% or lower is ideal.Review Your Savings: Ensure you have enough saved for a down payment (usually 3-20% of the home price) and additional costs like closing fees and emergency funds.Step 2: Educate Yourself on Loan TypesFixed-Rate vs. Adjustable-Rate Mortgages (ARM): Understand the difference between these loan types. Fixed-rate mortgages offer stability, while ARMs may start with lower rates but can fluctuate.FHA, VA, USDA Loans: If you qualify, these government-backed loans may offer better terms, especially if you have a lower credit score or smaller down payment.Step 3: Get Pre-QualifiedGather Necessary Documents: Prepare recent pay stubs, tax returns, bank statements, and any other financial documents.Contact a Mortgage Advisor: Discuss your goals and financial situation with a mortgage advisor. They’ll help you understand what loan amount you might qualify for and what loan types are best for you.Receive Pre-Qualification: Based on the initial review, your mortgage advisor will provide a pre-qualification letter stating how much you might be able to borrow.Step 4: Improve Your Financial StandingPay Down Debt: If your DTI is high, work on reducing your debts.Increase Your Credit Score: Pay bills on time, reduce credit card balances, and avoid opening new credit accounts.Save More for Down Payment: The more you can put down, the better your loan terms may be.Step 5: Shop for a MortgageCompare Lenders: Don’t settle on the first lender. Compare interest rates, fees, and customer service.Understand Loan Estimates: Request and review Loan Estimates from multiple lenders to compare terms and costs.Choose the Right Loan: Select the mortgage that best fits your financial situation and long-term plans.Step 6: Get Pre-ApprovedSubmit an Official Application: Provide your chosen lender with all necessary documents to begin the official loan application process.Undergo Credit Check and Verification: The lender will verify your financial information, including credit, income, and assets.Receive Pre-Approval: If you pass the lender’s checks, you’ll receive a pre-approval letter, showing sellers you’re serious and financially ready to buy.Step 7: Find Your HomeWork with a Realtor: Partner with a real estate agent who understands your needs and can help you find a home within your budget.House Hunting: Start looking at properties, keeping in mind your budget and loan pre-approval amount.Make an Offer: Once you find a home, make a competitive offer, often with guidance from your realtor.Step 8: Finalize Your LoanHome Inspection and Appraisal: After your offer is accepted, have the home inspected and appraised.Negotiate Repairs or Price Adjustments: Use inspection results to negotiate repairs or adjustments to the purchase price if necessary.Lock in Your Interest Rate: Decide when to lock in your interest rate with your lender, often after your offer is accepted.Complete Loan Processing: The lender will finalize your loan details, and you’ll receive a Closing Disclosure with all the terms and costs of your mortgage.Step 9: Closing the DealReview Final Documents: Before closing, carefully review all loan documents to ensure everything is correct.Sign the Paperwork: On closing day, sign all the necessary documents, finalize the transaction, and pay closing costs.Receive the Keys: Once everything is signed, the home is yours!Step 10: Manage Your Mortgage ResponsiblySet Up Automatic Payments: Ensure you never miss a payment by setting up automatic payments through your bank or mortgage servicer.Plan for Extra Payments: If possible, make extra payments toward the principal to pay off your loan faster.Monitor Interest Rates: Stay aware of mortgage rates; if they drop significantly, consider refinancing to lower your monthly payments or shorten your loan term.This guide should help you navigate the process of getting qualified for a home loan using Ken Clark Jr.'s methods.