Bonnie Almarez Realtor License #01317433 Exp Realty

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Bonnie Almarez Realtor License #01317433 Exp Realty Home Buying:
This vast knowledge of pricing and market trends has also carried over into Bonnie’s knack for helping Buyers find the perfect home.

Realtor | Folsom | El Dorado Hills| Greater Sacramento area | eXp Realty | BRE #01317433
🏡Get your TRUE Home Value Report https://home-value-report.dreamhomesbybonnie.com/cma-step1 Considered as a much respected Realtor in her field, Bonnie is the consummate professional who continues to set the benchmark for marketing and sales achievements. Professional Focus and Areas of Expertise:
Specializing as a listing agent, Bonnie offers a comprehensive marketing portfolio that has proven to be the winning formula for successfully selling properties. Strategically assessing the strengths and weaknesses of her listings gives Bonnie the edge in accurate pricing and positioning in the marketplace; from the starter home to the luxury listing, all categories get the best use of her time and experience. Whether it’s for retirement, professional or personal reasons, Bonnie guides the Buyer through the intricacies of obtaining home ownership with an emphasis on integrity, education and compassion. Qualifications and Training:
An early career in Real Estate launched her into the fast paced business environment with an acute attention to detail that proved to be an invaluable skill set for her real estate career today. Bonnie brings 25 years of real estate experience which covers all areas; real estate sales, relocation, administrative, and property management. Bonnie is Member of The Institute for Luxury Home Marketing and is also the local Director for Windermere Premier Properties.

10/12/2026

Some homes are selling in a weekend. Others are sitting for months.

🤔What do you think is making the difference right now?
A) Price
B) Buyers
C) Condition
D) Marketing

👇Drop your letter in the comments.

Thinking about selling and want to know where your home stands?

📲Send me a message or tap the link in bio for a free home value analysis. No pressure, just a straight answer.

"Staging doesn't raise your home's market value. It raises how buyers feel about paying market value."That distinction m...
10/09/2026

"Staging doesn't raise your home's market value. It raises how buyers feel about paying market value."

That distinction matters — and it's the honest version of the staging conversation most sellers never hear.

Here's what staging actually changes at the $900K+ tier in Folsom and El Dorado Hills:

🏠 Empty rooms make buyers subtract. They mentally calculate what it will cost to furnish the space, what renovations they'd need, what's missing. That math happens before they write an offer.

🛋️ Staged rooms help them visualize living there. Instead of subtracting, they start imagining. That's a completely different emotional starting point.

💡 In luxury, feeling is what drives the offer. High-end buyers aren't just evaluating square footage. They're evaluating lifestyle. A home that makes them feel like they're already there gets a different response than one that makes them work for it.

What staging doesn't do: it doesn't change the market value set by comparables, location, and condition. It doesn't guarantee a higher price. And it's not a blanket recommendation — the right call depends on the home's condition, the competition, and whether the existing furnishings are serving the price point.

The full breakdown — including when staging makes sense, when it doesn't, and what questions to ask your agent before you commit to the investment — is on the blog:
https://bonniealmarez.exprealty.com/blog/394343/

If you're wondering whether staging makes sense for your home, DM me and I'll walk you through it.

📞 707-718-2227 | DRE # 01317433

10/09/2026

Fixed rates just crossed 7% again. Some buyers are already looking at ARMs - and I want to make sure you have the full picture before you go down that road.
On September 30, the 30-year fixed rate hit 7.31%. ARMs now represent nearly 11% of all mortgage rate locks the highest share since late 2022.
I get it. When a 5-year or 7-year ARM offers an initial rate closer to 5.5-6%, the monthly payment difference on a $700K loan is real. On a $700,000 loan, that gap can be $600-$800 a month.
But here’s what the data also shows: the 74,000 borrowers who took out 7-year ARMs in 2020-when rates were around 2.75% - are hitting their adjustment period in 2027. Their median monthly payment is projected to increase by $1,066.
That’s not a worst case. That’s the median.
An ARM can make sense - for a buyer with a documented shorter-term plan, significant equity cushion, and a lender-confirmed worst-case scenario they can actually absorb. It’s the wrong tool for a buyer stretching to qualify, or one counting on rates to come down before the adjustment.
The full breakdown - including the questions to ask your lender before you decide
- is in the new post:
📖https://bonniealmarez.exprealty.com/blog/394061/
Have questions about how rates affect your buying power?
📲DM me and I’ll send you the right questions to ask your lender.
707-718-2227 | DRE # 01317433

Fixed rates just crossed 7% again. Some buyers are already looking at ARMs — and I want to make sure you have the full p...
10/08/2026

Fixed rates just crossed 7% again. Some buyers are already looking at ARMs — and I want to make sure you have the full picture before you go down that road.

On September 30, the 30-year fixed rate hit 7.31%. ARMs now represent nearly 11% of all mortgage rate locks — the highest share since late 2022.

I get it. When a 5-year or 7-year ARM offers an initial rate closer to 5.5–6%, the monthly payment difference on a $700K loan is real. On a $700,000 loan, that gap can be $600–$800 a month.

But here's what the data also shows: the 74,000 borrowers who took out 7-year ARMs in 2020 — when rates were around 2.75% — are hitting their adjustment period in 2027. Their median monthly payment is projected to increase by $1,066. That's not a worst case. That's the median.

An ARM can make sense — for a buyer with a documented shorter-term plan, significant equity cushion, and a lender-confirmed worst-case scenario they can actually absorb. It's the wrong tool for a buyer stretching to qualify, or one counting on rates to come down before the adjustment.

The full breakdown — including the questions to ask your lender before you decide — is in the new post:
📖 https://bonniealmarez.exprealty.com/blog/394061/

Have questions about how rates affect your buying power?
📲 DM me and I'll send you the right questions to ask your lender.

📞 707-718-2227 | DRE # 01317433

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American River Canyon
Folsom, CA
95630

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