New Home Finder

Toll Brothers, Inc. (NYSE:TOL), the na- tion's leading builder of luxury homes, an- nounced the opening of 15 model homes at Re- gency at Folsom Ranch, an exclusive gated 55+ master-planned com- munity featuring an array of luxury home designs with access to premium resort-style amenities, dog parks and miles of outdoor trails and biking paths in Folsom, California. Homebuyers are invited to visit the community to tour the new model homes, now open at 3561 Olive Orchard Drive in Folsom. Homeowners will enjoy spacious single- level home designs, expansive outdoor living spaces and a community clubhouse anticipated to open in summer 2023. The 18,000-square-foot clubhouse will feature indoor and outdoor heated pools, a spa, fire pits, gathering areas, and a state-of-the-art fitness center. A dedi- cated on-site lifestyle director will provide year-round programs, events, social gatherings and services. The 15 new model homes at Regency at Folsom Ranch showcase the community's five collections of luxury one-story homes rang- ing from two to three bedrooms, two to three- and-a-half bathrooms, two- to two-and-a-half car garages and ap- proximately 1,400 to 2,450 square feet of living space. Homebuy- ers have the option to choose their home site and build their new home from the ground up, or choose one of the brand-new, designer- appointed homes at the community that are move-in ready. Home prices start in the upper $500,000s. "Homebuyers can explore our new model homes, now open at Re- gency at Folsom Ranch, and get inspired as they browse a variety of ex- quisite home designs and floor plan options to fit their lifestyle," says Todd Callahan, division president of Toll Broth- ers in Northern Califor- nia. "We are thrilled to bring an unparalleled active lifestyle to our residents with our new clubhouse coming soon and curated activities designed by the commu- nity's full-time lifestyle director." Centrally located, Regency at Folsom Ranch provides resi- dents with convenient access to high-end shop- ping, dining and enter- tainment opportunities in downtown Sacra- mento, as well as ample recreational options in- cluding hiking, biking, and walking trails. The Toll Brothers Sacramento Design Studio offers homebuy- ers a unique retail-style shopping experience to personalize their dream home and select from curated collections of preselected palettes, fixtures and finishes, as well as a wide array of structural and design options. For more informa- tion and to schedule an appointment to view the model homes, call (844) 849-5263 or visit TollBrothers.com/CA. Toll Brothers, Inc., a Fortune 500 company, is the nation's leading builder of luxury homes. The company was founded 55 years ago in 1967 and became a public company in 1986. Its common stock is listed on the New York Stock Exchange under the symbol TOL. Toll Brothers was named the World's Most Admired Homebuilder in Fortune magazine's 2022 survey of the World's Most Ad- mired Companies, the seventh year it has been so honored. Toll Broth- ers has also been named Builder of the Year by Builder magazine and is the first two-time re- cipient of Builder of the Year from Professional Builder magazine. For more information, visit TollBrothers.com. Content provided by Toll Brothers Toll Brothers model homes now open at new 55+ community near Sacramento The 15 model homes at Regency at Folsom Ranch by Toll Brothers in Sacramento County are now open, showcasing the community's stunning architectural and interior design. Simple tips to improve your status with mortgage lenders Seeno Homes from page 1 manship. Each of their current and upcoming new-home communities throughout Northern California has its own distinctive character and are set in the most sought-after locations. These locations include Martinez, Oakley, An- tioch, Pittsburg, Oak- land, Fairfield, Vacaville, Chico and Napa. Their sensitive ap- proach to design results in homes that are practi- cal yet possess a timeless elegance. Room and design options in each home allow homebuyers to customize their home so it is tailored to fit their family's particular needs. Through the years, homebuyers have main- tained a pride of owner- ship in each Discovery and Seeno Homes neigh- borhood that is unparal- leled in the industry. In order to make the entire homebuying process a simple and pleasant experience, Discovery and Seeno Homes offer lender services on-site at the communities, as well as the Discovery Design Center, where buyers choose their interior design selections they have always dreamed of. With these partnerships, Discovery Homes and Seeno Homes are proud to make one-stop shop- ping a reality. As for customer ser- vice, they strive to make your homebuying expe- rience simple, efficient and enjoyable, because Discovery and Seeno Homes are motivated by the sincere desire to en- hance the lives of home- buyers, and to create a place you are proud to call home. Visit a Dis- covery or Seeno Homes community today where you can experience for yourself how eight de- cades of quality crafts- manship allows you to discover the best in life. Visit Cadence at Gold Hill at 836 Forte Court, off Lopes Road in Fairfield, or call (888) 41-HOMES, email cadence@discovery homes.com or go to discoveryhomes.com. Content provided by Seeno Homes BY METRO Owning a home is a dream shared by mil- lions of people. Investing in property that can be owned within 15 to 30 years of closing on the home makes more finan- cial sense to many than continuing to rent and having little to show for it over time. The first step to take when planning to enter the real estate market is to ensure that your finances are in order. Various fac- tors will influence indi- viduals' ability to secure a mortgage, and these are some ways to make yourself more attractive to prospective lenders. Check your credit report Lenders will check your credit report before deciding if you are a risk or a safe bet for a mort- gage. So it makes sense to check your credit report prior to speaking with a lender. The Federal Trade Commission says ev- eryone can get one free credit report a year from each of the three credit reporting bureaus. If you split it up, you can get a credit report every four months so you are aware of anything that may ad- versely affect your ability to get a mortgage loan. A credit (FICO) score that's too low may dis- qualify you from a mort- gage. Each lender sets its own thresholds when they price and approve loans, but the higher your credit score, the better. Improve your credit standing One way to improve your status in the eyes of lenders is to pay down credit card balances to reduce your credit utilization ratio. A high utilization occurs when there is a high balance in relation to the credit limit, Business Insider explains. Also, it may be wise to avoid any credit inqui- ries through new credit card applications for several months before applying for a loan, as these inquiries can affect your score. Be realistic Do your homework and determine your target interest rate and monthly payment as well as what down payment you can afford. It will help you research poten- tial lenders and provide an idea of what may be offered to you. Pay bills on time Paying bills promptly not only helps you avoid late fees, but also positively affects your credit. The financial resource The Mortgage Reports urges diligence when paying rent, as late rent payments can bar you from getting a mortgage. Lenders look at rent history as the biggest indicator of whether you'll make mortgage payments on time. These are some of the ways to make a prospective homebuyer look better in the eyes of mortgage lenders. Indi- viduals can speak with financial professionals about what else they can do to improve the pos- sibility of securing mort- gages at the best rates possible. H2 BAY AREA NEWS GROUP 001 Homes | Advertising Section

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