Stephanie Bernal, eXp Realty

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Stephanie Bernal, eXp Realty Real Estate Agent DRE # 02037068

EVERYONE is talking about mortgage rates. Almost no one is talking about what buyers may be able to NEGOTIATE. 👀My Q4 Ne...
10/06/2026

EVERYONE is talking about mortgage rates. Almost no one is talking about what buyers may be able to NEGOTIATE. 👀

My Q4 New Build Series explores why year-end can be an opportunity to buy new construction homes in Roseville CA.

Builders working toward year-end goals may offer:

✔️ Rate buydowns, including temporary 2-1 buydowns
✔️ Closing cost assistance
✔️ Price adjustments
✔️ Included upgrades

Sometimes a rate buydown can lower your monthly payment more than a price reduction. The numbers matter: compare total costs, lender requirements and your payment AFTER a temporary buydown ends. Incentives and deadlines vary.

Your Realtor needs to know how to NEGOTIATE, not simply open doors or put a sign in the yard.

My role is to understand your goals, finances and timeline, explain your options and help you make an educated decision.

👋 I’m Stephanie Bernal, The Community Agent, your Roseville Realtor and Bay Area Relocation Specialist.

I help buyers, sellers and Bay Area families find more than the right home. I help them find the community where their next chapter begins.

Relocating here, buying here or selling here? Let’s build your strategy.

💬 Comment OPTIONS if you’re considering buying or selling in Roseville, Granite Bay, Rocklin, Lincoln or Placer County.

Follow my Q4 New Build Series for more year-end buying strategies.

You’re not just buying a house.
You’re choosing where life happens.

Because you deserve: Exceptional. Elevated Service. Every Time.

Stephanie Bernal | The Bernal Group | Powerhouse eXp Realty
The Community Agent | Bay Area Relocation Specialist
DRE 02037068
📱 916 | 741 | 3634
📧 [email protected]
🌐 thebernalgrouprealty.com

Welcome Home: this Mediterranean estate behind the gates of Tiburon in East Roseville has six fireplaces, a resort-styl...
10/05/2026

Welcome Home: this Mediterranean estate behind the gates of Tiburon in East Roseville has six fireplaces, a resort-style pool and a private balcony overlooking it all. 🔥🏡🌊

Comment 1808 and I’ll send you all the details. 🏡

The kind of home where you walk through the courtyard and immediately realize…this isn’t your typical Roseville home.

PROPERTY OF THE WEEK 🏡

4 bedrooms | 3.5 bathrooms | 3,898 sq. ft. | $1,475,000

Why I think buyers will LOVE this one:

➕ Private courtyard with fountain + fireplace
➕ Chef’s kitchen with professional appliances, double ovens + butler’s pantry
➕ Downstairs bedroom with en suite bath
➕ Solar-heated pool with Baja shelves + waterfalls
➕ Outdoor kitchen, fireplace + lighted stone cabana
➕ 3-car garage with EV charging
➕ Gated East Roseville location near trails, shopping, dining + I-80

As a Roseville and Placer County real estate agent, this is exactly the kind of home I’d put on the must-see list for buyers searching for luxury homes in Roseville, gated communities, privacy and true indoor-outdoor California living.

Listing courtesy of: Katherine Farless | eXp Realty of California Inc.

You’re not just buying a house.
You’re choosing where life happens.

Because you deserve: Exceptional. Elevated Service. Every Time.

Stephanie Bernal | Roseville & Placer County Real Estate Agent
Powerhouse eXp Realty
DRE 02037068
📱 916 | 741 | 3634
💌 DM me for a consultation
📧 [email protected]
🌐 homesbystephanie.com

homesweethome

Let’s talk about the elephant in the room…because it’s not all doom and gloom. Yes, higher rates have impacted affordabi...
10/02/2026

Let’s talk about the elephant in the room…because it’s not all doom and gloom.

Yes, higher rates have impacted affordability. I’m not going to sugarcoat that.

But when market conditions change, opportunities change too.

💬 Comment OPTIONS if you’re considering buying or selling in Roseville + Placer County and and want an agent who can help you win in this market!

For buyers, today’s market may open the door to negotiating:

✔️ Rate buydowns
✔️ Temporary 2-1 buydowns
✔️ Seller-paid closing costs
✔️ Price adjustments
✔️ Repair credits
✔️ Better terms

And SELLERS, this matters for you too.

Higher rates do NOT automatically mean you shouldn’t sell. It means we need to understand what today’s buyer needs and determine how we can structure a deal that addresses affordability while protecting your bottom line.

Sometimes a seller credit makes more sense than another price reduction.

Sometimes a rate buydown can have a bigger impact on a buyer’s monthly payment.

Sometimes it’s price + credits + repairs + timing.

This is the kind of market where your Realtor needs to know how to NEGOTIATE, not simply open doors or put a sign in the yard.

My job isn’t to convince you to buy or sell. It’s to understand your goals, explain your options and help you make an educated real estate decision.

The market changed.
Your strategy should too.

👋 I’m Stephanie Bernal, The Community Agent.
Helping buyers, sellers + Bay Area families find the right home AND the right community.

You’re not just buying a house. You’re choosing where life happens.

Because you deserve: Exceptional. Elevated Service. Every Time.

Stephanie Bernal | The Bernal Group | Powerhouse eXp Realty
Community Agent | Bay Area Relocation Specialist
DRE 02037068
📱 916 | 741 | 3634
📧 [email protected]
🌐 homesbystephanie.com

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Roseville, CA

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