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Your October Newsletter Is Here

October 19, 2021 by cdiez Leave a Comment

BEWARE! The most spooktacular holiday is just around the corner… that’s right, Halloween is only 13 days away! If you’re thinking of ways to entertain your ghosts and goblins this year, then check out these frightfully festive entertaining ideas, recipes, and tricks for a party that will haunt your guests for years to come. This month’s newsletter also uncovers Halloween-inspired activities and events in the Greater Sacramento area that are to die for. Lastly, we take a closer look at the upcoming fall real estate market. Read on…if you dare!

Looking to elevate your Halloween game with some decor that is fit to fright? Try out these killer decorating ideas that will stop your guests dead in their tracks…

Enter if you dare – these cute yet eerie porch decorations are sure to impress neighbors and trick-or-treaters:

Pumpkin Luminary

Floating Witches Hats

Trick or Treat Door Decorations

Halloween Wreath

Pumpkin Gilded Fall Garland

Halloween Potted Tree

Hanging Black Bats

Spooky Vibes Only Door Mat

Beware of Sign

Eat, drink, and be scary by adding some of these hauntingly gorgeous kitchen accessories and serving pieces to your Halloween collection:

Halloween Charcuterie Board

Witch Hands Snack Bowl Stand

Skeleton Skull Glass Punch Bowl

Hocus Pocus Serving Cauldron

Three-Tiered Witch Broom Snack Stand

Witch Tabletop Server

Skull Serving Tray

Spoon Rest Holder

The Dead Don’t Stir Spoon Rest

Ghost Stoneware Mugs

Halloween Cheese Spreader 4-Piece Set

Create a dinner table to die for with a fabulous centerpiece or festive dining set:

Skulls Table Runner

Crystal Ball Centerpiece

Tree Hand Candle Holder

Halloween-Inspired Candelabra

Apothecary Jar Set

Halloween Luncheon China Plates

Stemless Skeleton Wine Glasses

Ghost Serving Platter

Skeleton Hand Highball Glass

Skull Silverware

Tap into the spirit(s) of the season with this spellbinding living room decor:

See Hear & Speak No Evil Skulls

Life-Size Sitting Skeleton

Pose-n-Stay Puppy Skeleton

Hocus Pocus Spellbook

Fall Throw Blanket in Rust

Pumpkin Candles

Giant Spiced Cider Glass Jar Candle

Halloween-Inspired Throw Pillows

White Glass Pumpkin String Lights

Black Dripping Wax Flameless Candle

Personalized Halloween Wall Decor

Forest Witch Hat Decor

Gold Snake Decor

Let the ghoul times roll by trying out one of the below Halloween playlists to match your mood!

Spotify’s Top Halloween Tracks

Pandora Halloween Playlist

Apple Music Halloween Party Playlist

YouTube Halloween Hits from the 80’s

Disney’s Halloween Playlist

You don’t need a spell to whip up some delicious boos. These creative concoctions (and fun mocktails) will get everyone into the holiday spirit in no time! Pick your poison by trying out one of the below recipes.
Adult Cocktails –

Potion De Muerto Cocktail

Smoking Blackberry Sage Margarita

Shimmery Liqueur Cocktail

Eye Ball Martini

The Vampire Cocktail

Halloween Pumpkin Punch

Black Sangria

Mr. Hyde Potion

Candy Corn Jello Shots

Bleeding Heart Martini

Purple Witches Brew

Shrunken Heads in Cider

 

Mocktails –

Hocus Pocus Halloween Fizz

Swamp Juice

Creepy Shirley Temples

Goosebumps Punch

Little Monster Mocktail

Pumpkin Butterbeer

Sparkling Pumpkin Pie Mocktail

Purple People Eater Punch

Slow Cooker Vampire Punch

Wondering what to brew up in the kitchen? See below for some serious food inspo that will have your guests calling you the ghostess with the mostest!

For starters, try these delicious smokey pumpkin deviled eggs or impress guests with this decadent skeleton meat platter that is not for the faint of the heart. Your little goblins and ghosts will love these easy-to-make hot dog mummies or these creepy-crawly octopus tentacles.
Elevate your side dish game with these skewered eyeballs, which are actually stuffed mushrooms loaded with mozzarella, bacon, and topped with olives. These mashed potato ghosts will have your guests experiencing love at first bite!
Bone Appetit! For mains, try this scary good pumpkin cannelloni dish with sage brown butter sauce or these cider marinated short ribs for a protein-packed dish. This savory boneyard pot pie is packed with fresh veggies and protein to keep your little ones well-nourished for a long night of trick-or-treating. Guests of all ages will appreciate these macolantern and cheese bowls, which can be served as a main or side dish.

 

It’s all treats and no tricks here! From bewitching blood cupcakes to spider cookies, we have a delectable line-up of homemade treats that will have your guests screaming for seconds.

Strawberry Ghosts

Bewitched Halloween Popcorn

Spider Cookies

“Poison” Apples

Screaming Pretzels

Cake Pop Eye Balls

Rice Krispie Treat Monsters

Dracula Dentures

Spider Web Cake

Hocus Pocus Inspired Smore Pops

Haunted Halloween Brownies

Jack O’ Lantern Bowls

Blood Drip Cupcakes

Mummy Apple Pie

Witch’s Hat Cupcakes

Graveyard Chocolate Cheesecake Dip

Pull Apart Graveyard Cupcakes

Halloween Blueberry Mummy Muffins

Dying to watch a good movie? Grab the popcorn, cozy blankets, and find a Halloween flick that matches your mood on one of the below streaming services!

Netflix Line-Up

Hulu Haunts

Amazon Picks

Disney Plus Magic

TV Classics

Sacramento has some fangtastic Halloween events and activities now through the end of October!

  1. October 23rd (and Select Days): Spookomotive Train Rides @ The Railroad Museum
  2. October 23rd-24th: 34th Annual Safe & Super Halloween at Fairytale Town
  3. October 30th: Monster Mash at the Crocker Art Museum
  4. October 23rd: Spirits, Brews & Bites in Historic Folsom
  5. October 24th & 31st: Fall Concert Series at Historic Folsom Amphitheater
  6. October 30th: Trick or Treat FestiFall
  7. Visit a Pumpkin Patch
  8. Enter a Haunted House (if you dare!)
  9. Visit Apple Hill

According to Realtor.com hopeful buyers who keep getting shut out may soon find better luck this fall, as several signs in the housing market point to more potential buying opportunities. For one, competition is reportedly cooling, and listings are receiving fewer offers. In September, the real estate brokerage Redfin reported that bidding wars reached their lowest level this year. Also, more listings are coming to market, offering buyers more choices, according to a Realtor.com report that revealed housing inventory is at a high for 2021. Furthermore, nearly one-third of the 50 largest metros saw increases in the number of newly listed homes compared to last year. Click here to read the full article.

Filed Under: Real Estate News, Sacramento Lifestyle Tagged With: Carmichael CA home loans, carmichael ca property, carmichael ca real estate, carmichael ca real estate agent, carmichael ca realtor, October Newsletter

What your Credit Score Should Be to Buy a House?

September 24, 2020 by cdiez Leave a Comment

From my own experience, even what would be considered a “not great” credit score may still qualify to buy your dream home. What I have learned over the years is that each lender has different capabilities. There may be 10 lenders that won’t give you a loan based on a low credit score and another 10 that will.

Ashley Sutphin gives us a good update on credit scores and purchasing homes with a large range of scores.

What credit score do you need to get a home loan? While specifically, it can vary, there are certain things you should know before you apply for a mortgage to ensure you’ve put yourself in the best possible financial position.

Factors Impacting Your Credit Score

Before you explore specific loans, pull your credit report. You can look for errors that may need to be corrected and get a better idea of what you can do to improve it.

The factors that play a role in your credit score include:

• Payment history: This is the main factor of a credit score, making up about 35% of your score. Your payment history is simply whether you pay your bills on time or not. Any creditors you have will report your activity every month to major credit bureaus. One or two late payments probably won’t have a big impact, but a pattern of late payments will.

• Debt: The amount of debt you owe across the board makes up around 30% of your score. Debt is also called your credit utilization ratio, and it looks at how much debt you’re using versus what’s available to you.

• Credit age: Making up around 15% of your score is credit age. The longer you have accounts on your credit history the better, as long as they’re in good standing. If you have old accounts, keep them open if possible because this will affect your average credit age.

Other factors that are relevant in your score are your account mix, which is the type of credit accounts you have, and credit inquiries. Credit inquiries are pulls of your report that lenders do before extending financing.

Your credit score is important not only because it determines whether you get financing for a home, but also the interest rate you’re offered.

The following are typical ranges for credit scores:

• Anything below 580 is considered very poor• A fair score is one ranging from 580 to 669
• A good credit score might range from 670 to 739
• An excellent score is between 740 and 799
• Anything 800 and above is considered exceptional

Conventional Loans

If you’re applying for a conventional loan from a bank or a similar type of lender, you will usually need at least a 620 to qualify.

Conventional home loans follow Freddie Mac and Fannie Mae’s standards.

While 620 is the minimum, having that score doesn’t mean you’ll be approved for a home loan. An excellent score is usually considered 740 and above, and with an excellent score you’ll likely not only qualify for a conventional home loan but you’ll also get a competitive interest rate and you may have a lower down payment requirement.

VA Loans

The U.S. Department of Veterans Affairs insures VA loans. They’re available to certain servicemembers and veterans of the U.S. Military, as well as spouses of military members who died while on active duty.

The minimum credit score for a VA loan is likely to be around 620, although this can vary, and there’s no set minimum score.

FHA Loans

Insured by the Federal Housing Administration, FHA loans are less risky for lenders so you may find it’s easier to qualify. The minimum score for an FHA loan with a down payment of 3.5% is 580. If you’re paying at least 10% for your down payment, there’s no minimum required credit score.

If you have an FHA loan originated by a private lender, each will have its own minimum requirement for credit scores.

Click here for the rest of the article

Filed Under: Home Improvement Tagged With: Carmichael CA home loans, carmichael ca homes for sale, carmichael ca real estate agent, carmichael ca realtor, credit scores, living in carmichael ca

Craig Diez

Craig Diez

California REALTOR®
916-425-5884
Contact Craig
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