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Community – Rate Buy Downs

Rate Buy Down Approved Homes! This is a template for a Community that is for sale. Please note: All content on this page is fictional and/or for demo purposes only. Please replace all content, descriptions, and widgets with your own accurate information.Elegant Living Redefined: Premier New Construction ProjectLaunching Summer 2024 | Brokerage Compensation: 2.5%Discover Modern Luxury in Salt Lake CityWelcome to a new era of upscale living! Our latest luxury residential community, opening in January 2024, offers a perfect blend of modern design, high-end amenities, and serene natural surroundings.Key FeaturesModern Architectural MarvelSpacious Layouts: Choose from 2-, 3-, and 4-bedroom homes designed for comfort and style.High-End Finishes: Elegant designs with top-tier finishes that elevate every space.Advanced Appliances: Cutting-edge kitchen and home appliances for a seamless experience.Natural Light Enhancement: Expansive windows provide breathtaking views and abundant natural light.Exclusive Golf Course18-Hole Championship Course: Designed by top golf architects, perfect for all skill levels.State-of-the-Art Facilities: Pro shop, driving range, and a clubhouse with dining options.Tranquil Lakes and ParksScenic Parks: Beautifully landscaped spaces ideal for leisure and social gatherings.Pristine Lakes: Perfect for morning reflections or relaxing evening strolls.Vibrant Community LifeActive Homeowners' Association: Enjoy social events, educational workshops, and festive gatherings.Neighborly Engagement: Designed spaces and events that foster a sense of belonging.Premium AmenitiesResort-Style Pools: Featuring lap pools and relaxing lounge areas.Fitness Centers: Modern equipment, fitness classes, and personal training.Spa & Wellness Center: A sanctuary for relaxation and self-care.Eco-Friendly & Sustainable LivingEnergy-Efficient Systems: Smart home technology to reduce energy consumption and costs.Green Spaces: Areas that promote biodiversity and a connection with nature.Sustainability Practices: Initiatives to preserve ecological balance and minimize impact.Prime LocationClose to Essentials: Near top schools, shopping centers, and entertainment venues.Easy Transportation: Convenient access to highways and public transit options.An Investment in LifestyleWhether you're a golf enthusiast, nature lover, or someone seeking a dynamic community, this exclusive enclave offers luxury, comfort, and connection. With limited units available, don’t miss your chance to be part of something extraordinary.Contact UsFor more details and to register your interest, contact us at [contact information].Be among the first to experience unparalleled living in our premier new construction project in Salt Lake City!

Community – Now Selling

Now Selling! Please note: All content on this page is fictional and/or for demo purposes only. Please replace all content, descriptions, and widgets with your own accurate information.Elegant Living Redefined: Premier New Construction ProjectLaunching Summer 2024. Brokerage Compensation: 2.5%Discover Modern Luxury in Salt Lake CityWelcome to a new era of upscale living! Our latest luxury residential community, opening in January 2024, offers a perfect blend of modern design, high-end amenities, and serene natural surroundings.Key FeaturesModern Architectural MarvelSpacious Layouts: Choose from 2-, 3-, and 4-bedroom homes designed for comfort and style.High-End Finishes: Elegant designs with top-tier finishes that elevate every space.Advanced Appliances: Cutting-edge kitchen and home appliances for a seamless experience.Natural Light Enhancement: Expansive windows provide breathtaking views and abundant natural light.Exclusive Golf Course18-Hole Championship Course: Designed by top golf architects, perfect for all skill levels.State-of-the-Art Facilities: Pro shop, driving range, and a clubhouse with dining options.Tranquil Lakes and ParksScenic Parks: Beautifully landscaped spaces ideal for leisure and social gatherings.Pristine Lakes: Perfect for morning reflections or relaxing evening strolls.Vibrant Community LifeActive Homeowners' Association: Enjoy social events, educational workshops, and festive gatherings.Neighborly Engagement: Designed spaces and events that foster a sense of belonging.Premium AmenitiesResort-Style Pools: Featuring lap pools and relaxing lounge areas.Fitness Centers: Modern equipment, fitness classes, and personal training.Spa & Wellness Center: A sanctuary for relaxation and self-care.Eco-Friendly & Sustainable LivingEnergy-Efficient Systems: Smart home technology to reduce energy consumption and costs.Green Spaces: Areas that promote biodiversity and a connection with nature.Sustainability Practices: Initiatives to preserve ecological balance and minimize impact.Prime LocationClose to Essentials: Near top schools, shopping centers, and entertainment venues.Easy Transportation: Convenient access to highways and public transit options.An Investment in LifestyleWhether you're a golf enthusiast, nature lover, or someone seeking a dynamic community, this exclusive enclave offers luxury, comfort, and connection. With limited units available, don’t miss your chance to be part of something extraordinary.Contact UsFor more details and to register your interest, contact us at [contact information].Be among the first to experience unparalleled living in our premier new construction project in Salt Lake City!

Community – Coming Soon

This is an example Community that is coming soon.Please note: All content on this page is fictional and/or for demo purposes only. Please replace all content, descriptions, and widgets with your own accurate information.Elegant Living Redefined: Premier New Construction ProjectLaunching Summer 2024. Brokerage Compensation: 2.5%Discover Modern Luxury in Salt Lake CityWelcome to a new era of upscale living! Our latest luxury residential community, opening in January 2024, offers a perfect blend of modern design, high-end amenities, and serene natural surroundings.Key FeaturesModern Architectural MarvelSpacious Layouts: Choose from 2-, 3-, and 4-bedroom homes designed for comfort and style.High-End Finishes: Elegant designs with top-tier finishes that elevate every space.Advanced Appliances: Cutting-edge kitchen and home appliances for a seamless experience.Natural Light Enhancement: Expansive windows provide breathtaking views and abundant natural light.Exclusive Golf Course18-Hole Championship Course: Designed by top golf architects, perfect for all skill levels.State-of-the-Art Facilities: Pro shop, driving range, and a clubhouse with dining options.Tranquil Lakes and ParksScenic Parks: Beautifully landscaped spaces ideal for leisure and social gatherings.Pristine Lakes: Perfect for morning reflections or relaxing evening strolls.Vibrant Community LifeActive Homeowners' Association: Enjoy social events, educational workshops, and festive gatherings.Neighborly Engagement: Designed spaces and events that foster a sense of belonging.Premium AmenitiesResort-Style Pools: Featuring lap pools and relaxing lounge areas.Fitness Centers: Modern equipment, fitness classes, and personal training.Spa & Wellness Center: A sanctuary for relaxation and self-care.Eco-Friendly & Sustainable LivingEnergy-Efficient Systems: Smart home technology to reduce energy consumption and costs.Green Spaces: Areas that promote biodiversity and a connection with nature.Sustainability Practices: Initiatives to preserve ecological balance and minimize impact.Prime LocationClose to Essentials: Near top schools, shopping centers, and entertainment venues.Easy Transportation: Convenient access to highways and public transit options.An Investment in LifestyleWhether you're a golf enthusiast, nature lover, or someone seeking a dynamic community, this exclusive enclave offers luxury, comfort, and connection. With limited units available, don’t miss your chance to be part of something extraordinary.Contact UsFor more details and to register your interest, contact us at [contact information].Be among the first to experience unparalleled living in our premier new construction project in Salt Lake City!

Community – Floor Plans

This is an example of a Community that has floorplans.Please note: All content on this page is fictional and/or for demo purposes only. Please replace all content, descriptions, and widgets with your own accurate informationFor Demo Purposes OnlyElegant Living Redefined: Premier New Construction ProjectLaunching Summer 2025 | Brokerage Compensation: 2.5%Discover Modern Luxury in Salt Lake CityWelcome to a new era of upscale living! Our latest luxury residential community, opening in January 2024, offers a perfect blend of modern design, high-end amenities, and serene natural surroundings.Key FeaturesModern Architectural MarvelSpacious Layouts: Choose from 2-, 3-, and 4-bedroom homes designed for comfort and style.High-End Finishes: Elegant designs with top-tier finishes that elevate every space.Advanced Appliances: Cutting-edge kitchen and home appliances for a seamless experience.Natural Light Enhancement: Expansive windows provide breathtaking views and abundant natural light.Exclusive Golf Course18-Hole Championship Course: Designed by top golf architects, perfect for all skill levels.State-of-the-Art Facilities: Pro shop, driving range, and a clubhouse with dining options.Tranquil Lakes and ParksScenic Parks: Beautifully landscaped spaces ideal for leisure and social gatherings.Pristine Lakes: Perfect for morning reflections or relaxing evening strolls.Vibrant Community LifeActive Homeowners' Association: Enjoy social events, educational workshops, and festive gatherings.Neighborly Engagement: Designed spaces and events that foster a sense of belonging.Premium AmenitiesResort-Style Pools: Featuring lap pools and relaxing lounge areas.Fitness Centers: Modern equipment, fitness classes, and personal training.Spa & Wellness Center: A sanctuary for relaxation and self-care.Eco-Friendly & Sustainable LivingEnergy-Efficient Systems: Smart home technology to reduce energy consumption and costs.Green Spaces: Areas that promote biodiversity and a connection with nature.Sustainability Practices: Initiatives to preserve ecological balance and minimize impact.Prime LocationClose to Essentials: Near top schools, shopping centers, and entertainment venues.Easy Transportation: Convenient access to highways and public transit options.An Investment in LifestyleWhether you're a golf enthusiast, nature lover, or someone seeking a dynamic community, this exclusive enclave offers luxury, comfort, and connection. With limited units available, don’t miss your chance to be part of something extraordinary.Contact UsFor more details and to register your interest, contact us at [contact information].Be among the first to experience unparalleled living in our premier new construction project in Salt Lake City!

listings View All →

Listing - FSBO

FSBO – Modern Luxury Living in Fresno, CAA Rare Opportunity to Own Directly from the Seller in One of Fresno’s Most Sought-After NeighborhoodsWelcome to elevated Central Valley living in this beautifully designed Fresno home—now for sale directly by the owner. Situated in a prestigious residential community, this thoughtfully crafted property combines modern elegance, timeless features, and a lifestyle of ease and comfort.Beautifully Designed for Luxury and Everyday LivingOffering 4 spacious bedrooms and 4.5 designer bathroomsOpen-concept floor plan with seamless flow for entertaining and everyday livingChef-style kitchen with premium appliances, quartz countertops, custom cabinetry, and a generous island perfect for hostingLight-filled living and dining areas with expansive windows and clean, modern finishesWide-plank hardwood flooring, soaring ceilings, and curated architectural details throughoutOutdoor Living with Central Valley EleganceStep into your private outdoor sanctuary—perfectly designed for relaxation and connection:Expansive covered patio and lounge area, ideal for sunset dinners or weekend brunchesBuilt-in BBQ and outdoor bar space for entertaining in styleProfessionally landscaped yard with privacy fencing and serene ambianceRoom to add a pool, firepit, or garden to make it your ownGarage, Smart Features & Extra SpaceAttached 2-car garage with built-in storage and EV charging capabilitiesSmart home features including climate control, security system, and lighting automationDedicated laundry room, walk-in pantry, and a flex space ideal for a home office, gym, or guest suitePrime Fresno LocationEnjoy the convenience of being minutes from:Top-ranked schools in both public and private settingsShopping, dining, and entertainment at River Park, Woodward Park, and Fig Garden VillageGolf courses, parks, and access to major highways for easy travel or commutingOwner-Represented Luxury LivingSkip the noise of the market and connect directly with the seller to explore this rare offering. Whether you’re hosting guests or enjoying a quiet night at home, this Fresno residence delivers refined living, spacious design, and long-term value.Now For Sale – Schedule Your Private Tour TodayDon’t miss this opportunity to purchase a premier Fresno home directly from the owner. Contact us today to schedule your private showing and receive full details.

Listing - Rate Buy Down

Approved for a Rate Buy Down – Modern Luxury Living in Fresno, CAA Rare Opportunity in One of Fresno’s Most Sought-After CommunitiesThis stunning modern residence in Fresno is not only beautifully designed for upscale living—it also qualifies for a rate buy-down incentive, helping you achieve more affordable monthly payments without compromising on luxury. Located in one of the city’s most desirable neighborhoods, this home blends comfort, sophistication, and smart financial opportunity.Beautifully Designed for Luxury and Everyday LivingOffering 4 spacious bedrooms and 4.5 elegant bathroomsOpen-concept floor plan with seamless flow for entertaining and daily livingChef-inspired kitchen with premium appliances, quartz countertops, custom cabinetry, and an oversized island perfect for gatheringsExpansive living and dining areas filled with natural light and modern finishesWide-plank hardwood flooring, high ceilings, and custom built-ins throughoutOutdoor Living with Central Valley CharmStep outside to your own private outdoor sanctuary designed for comfort and connection:Spacious covered patio and lounge area for relaxing or entertainingBuilt-in BBQ and bar for weekend hosting and family mealsProfessionally landscaped backyard with privacy fencing and plenty of space to add your personal touchEnjoy peaceful evenings and sunny mornings in your own outdoor retreatGarage, Extras & Smart Home FeaturesAttached 2-car garage with added storage and EV charging stationSmart home amenities including climate control, lighting, and security systemsDedicated laundry room, walk-in pantry, and a flex space ideal for a home office, home gym, or media roomPrime Fresno LocationEnjoy the convenience and quality of life only Fresno can offer:Top-rated public and private schools nearbyMinutes to River Park, Woodward Park, and Fig Garden Village for dining, shopping, and entertainmentQuick access to golf courses, nature trails, and major freeways for weekend escapes or easy commutesAffordable Luxury Through Rate Buy DownTake advantage of this home’s rate buy-down approval, which can significantly lower your initial mortgage payments. A rare financial incentive for a home of this quality—ask for details during your private showing.Coming Soon – Stay Tuned for Tour Dates and Full Listing InfoDon’t miss this opportunity to own a luxury Fresno home with built-in affordability and timeless style. Contact us today for early access and to learn more about the rate buy-down program available with this property.

Listing - For Sale

For Sale – Modern Luxury Living in Fresno, CAA Rare Opportunity in One of Fresno’s Premier Residential CommunitiesWelcome to refined living in this stunning Fresno residence, now for sale in one of the city’s most desirable neighborhoods. Thoughtfully designed with timeless elegance and modern functionality, this home offers spacious comfort, high-end finishes, and the lifestyle today’s discerning buyers seek.Beautifully Designed for Luxury and Everyday LivingOffering 4 spacious bedrooms and 4.5 designer bathroomsOpen-concept floor plan with a seamless flow between indoor and outdoor spacesChef-inspired kitchen with premium appliances, quartz countertops, custom cabinetry, and a generous island for hosting and gatheringLight-filled living and dining areas with expansive windows and clean, modern finishesWide-plank hardwood flooring, soaring ceilings, and custom craftsmanship throughoutOutdoor Living with Central Valley CharmStep outside and enjoy a backyard retreat designed for entertaining, relaxation, and year-round enjoyment:Spacious patio and lounge area, ideal for outdoor dining or weekend get-togethersBuilt-in BBQ and bar setup for hosting in styleThoughtfully landscaped with privacy fencing and space to customize with a pool, firepit, or gardenQuiet, private setting just minutes from parks, trails, and top local amenitiesGarage, Smart Features & Bonus SpacesAttached 2-car garage with additional storage and EV charging capabilitiesSmart home features including climate control, lighting, and security systemsDedicated laundry room, walk-in pantry, and a flexible bonus room perfect for a home office, home gym, or media roomPrime Location in the Heart of FresnoEnjoy easy access to Fresno’s best offerings, including:Top-rated public and private schools within close proximityShopping, dining, and entertainment at River Park, Fig Garden Village, and Woodward ParkChampionship golf courses, outdoor recreation, and direct freeway access for commuting or weekend getawaysExperience Luxury Living with Comfort and StyleWhether you’re entertaining guests or enjoying a quiet evening at home, this beautifully appointed Fresno home delivers a rare balance of sophistication, functionality, and warmth in a location that continues to grow in value.Now For Sale – Schedule Your Private Tour TodayDon’t miss your opportunity to own this exceptional modern home in one of Fresno’s most sought-after neighborhoods. Contact us today for a private showing and more details.

Listing - Coming Soon

Coming Soon – Modern Luxury Living in Fresno, CAA Rare Opportunity in One of Fresno’s Most Sought-After NeighborhoodsPrepare to experience refined living in this exceptional Fresno residence, coming soon to market. Ideally situated in one of the city’s most desirable communities, this home blends modern sophistication, everyday comfort, and a lifestyle tailored for both relaxation and entertainment.Beautifully Designed for Luxury and Everyday LivingFeaturing 4 spacious bedrooms and 4.5 elegant bathroomsOpen-concept layout ideal for seamless indoor-outdoor livingChef-inspired kitchen with high-end appliances, custom cabinetry, quartz countertops, and a generous island for entertainingExpansive living and dining areas filled with natural light and upscale finishesWide-plank hardwood flooring, soaring ceilings, and custom built-ins throughoutOutdoor Living with Central Valley CharmStep into your private outdoor retreat designed for comfort, gatherings, and quiet moments alike:Spacious covered patio and lounge area perfect for hosting or unwindingBuilt-in BBQ and bar setup ideal for weekend entertainingLush landscaping and privacy fencing create a serene backyard experiencePlenty of space to add a pool, garden, or custom outdoor featureGarage, Extras & Modern AmenitiesAttached 2-car garage with built-in storage and EV charging capabilitySmart home features including integrated climate control and security systemDedicated laundry room, walk-in pantry, and bonus flex room for a gym, home office, or guest suitePrime Location in the Heart of FresnoEnjoy the best of Fresno living just minutes from:Top-rated schools and award-winning Clovis Unified campusesUpscale shopping, restaurants, and lifestyle options at River Park and Woodward ParkGolf courses, outdoor trails, and quick access to major highways for easy commutingSophisticated Living in Fresno’s Premier NeighborhoodWhether you’re entertaining guests or enjoying a peaceful evening at home, this upcoming Fresno masterpiece offers timeless design, thoughtful detail, and the ideal blend of space and style.Coming Soon – Stay Tuned for Listing Date, Tour Info, and More!Don’t miss this limited opportunity to own a standout luxury home in Fresno. Contact us now for early access and additional details.

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Price Drop or Rate Drop?

$25k Decision: Price Drop or Rate Drop? How to Bring Affordability Back Affordability is crucial in today’s market. If a seller has $25,000 to help close a deal, should they drop the price or reduce the interest rate?➡️ Price Drop ($25k Reduction)New Price: $850,000Monthly Savings: $152.46Income Needed to Qualify: $12,461.58/month ($149,538.98/year vs $153k)Effect: Helps bring in buyers qualified for $850,000 but only saves a small amount each month.➡️ Rate Drop ($25k to Lower Rate)Interest Rate: Reduced from 6.5% to 5.25%Monthly Savings: $558.94Income Needed to Qualify: $11,516 /month ($138,195 /year vs $153k)Effect: Makes the home affordable to buyers, originally approved at $785,000, significantly expanding the pool of potential buyers.➡️ Key TakeawayPrice Drop: Attracts buyers at $850,000.Rate Drop: Attracts buyers previously qualified at $785,000.For 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!

Cost Of Waiting

Why Waiting to Buy a Home Could Cost YouThinking of waiting for the “right time” to buy?Waiting often costs more than acting.Rent = Money GoneOwning = Building WealthReal-Life Examples:2006 buyers still gained $169K2014 buyers gained $225K2019 buyers gained $158K People who bought, even in uncertain times, came out ahead. Renters didn’t.

Appraisal Gap: Bridging Value Shortfalls

Navigating Appraisal Gaps with Confidence: A Strategic Approach for HomebuyersAre you a homebuyer eager to make a competitive offer on your dream home but concerned about the possibility of an appraisal gap? An appraisal shortfall, where the property’s appraised value is lower than your offer, can potentially increase the cash needed to close the deal. Loan Officers can offer strategic solutions to help buyers confidently navigate this challenge.A proactive approach to managing situations where the property’s appraisal does not meet the contract price is invaluable. This strategy helps maintain the buyer’s initial interest rate, keeps monthly payments within budget, and minimizes the extra cash required at closing.Here’s how Loan Officers can help manage potential appraisal gaps throughout the home-buying journey:1. Initial Consultation Stage:This is an opportunity to set clear expectations by discussing the possibility of an appraisal gap. By showcasing their expertise in handling such situations, Loan Officers can build trust with buyers and position themselves as problem-solvers.2. Offer Stage:When buyers make an offer, especially with a higher down payment, having a solid strategy reassures both the seller and their agent. It signals that the buyer is financially prepared to address discrepancies between the offer price and the appraised value. This reassurance can make the offer more appealing by reducing the risk of financing issues disrupting the sale.3. Post-Appraisal Stage:Loan Officers can act swiftly to keep the escrow intact and the transaction on track if an appraisal gap occurs. This quick response ensures all parties remain engaged and committed to closing, helping to prevent delays or deal disruptions.This approach not only assists buyers in overcoming financial obstacles but also strengthens the transaction, making it more robust against common real estate challenges. Loan Officers can deliver comprehensive support that benefits everyone involved by incorporating this strategy into pre-offer consultations, negotiation tactics, and post-appraisal solutions.

Offer | The Digital Offer

To help your offer stand out, I call the listing agent and provide a summary of how we’ve structured your loan. By providing them a clear understanding of your financing and helping build confidence in your offer. My goal is to communicate the strength of your offer in a way that increases your chances of getting it accepted.____________________________________________________________________Here is a sample of what they first see...Hi Brandon,I just left you a voicemail about the details of our offer. Steve Realtor has submitted the offer via email, but here are the details from the lending perspective.Here are the details of our buyers offer and qualifications. Purchase Price: $618,000Down Payment: 10%Loan Type: 30Yr Fixed ConventionalSeller Concession: $18,000Closing Date: 21 Days or SoonerKey Strengths: Excellent CreditIncome: Fully VerifiedAssets: Seasoned and SourcedKey Contingencies (explain waived ones)Pre-Underwriting CompletedTBD Underwriten ApprovalItems Included: Our Pre-Approval Letter (which you can download)A video highlighting our financing plan and strategy. Thank you,Troy Root

Reviews

"Troy was very professional and stayed in communication throughout the transaction."

wan chun chang k

"He made the process go easy and felt save dealing with him"

arthur v

"Troy walked us through the entire process step by step, maintained excellent communication throughout and comprehensively answered all our questions. Would highly recommend to others."

brice e

"Troy was helpful and communicated well throughout the entire loan process. He was always available to answer my questions and made sure everything went smoothly. Thank you!"

jessica e

"Troy was very proactive in resolving issues during the escrow process. He kept us informed of the status of the transaction. I highly recommend Troy."

wan chun c

"Troy roots was always a step ahead and guided us in the right direction through the whole process."

noel antonio r

"Troy was very pleasant and great to work with. He responded quick and cares about the customers needs. He goes far and beyond. Very pleased."

antonia a

"Troy made us excited about buying our first home from start to Finish where our first lender fell short. He always answered our questions and if he didn’t know he would find out. He listened to us and made us feel heard. He went above and beyond in our opinion and anyone would be lucky to work with him because he made our experience unforgettable and as easy as he could. We highly recommend him and his knowledge of VA loans was outstanding."

nicole p

"Troy was great to work with and his communication was excellent!"

hanft realty and des h