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3107 Strand Rd

BEAUTIFUL 4-Bedroom home where pride of ownership and attention to the detail's shines. There are high ceilings, a curved staircase, and living and dining rooms to greet you upon entry. The updated kitchen is open to the family room, the quartz counters, large format backsplash and finishes are stunning! There is a wine refrig, under counter cabinetry, and a pantry cabinet. On the ground floor is the possible 4th bedroom, bathroom with walk-in shower, and laundry room. Upstairs features stunning acacia floors. The expansive primary bedroom is like walking into your own spa retreat! Large mirrored wardrobes, soothing colors, beautiful vanity, designer tub and walk in shower are all beautifully updated. There is a a jack and jill bathroom with the same updates as the primary between the two upstairs bedrooms. Your low maintenance yard provides 2 additional living areas ~ in front there is a patio and sitting wall, and in back a lovely covered patio, complete with ceiling fan, bistro lights, a water feature, astro-turf, and a storage shed all designed with comfort and low maintenance in mind. This family friendly neighborhood makes it easy to meet your neighbors, known for holiday dcor and gatherings you'll make fun new holiday traditions with your friends and family!

809 Calico Dr

WELCOME HOME - to Whitney Ranch! - This gorgeous two-story residence offers 4 bedrooms, a loft, 3.5 baths and nearly 2,800 square feet. This fabulous floorplan has it all - thoughtfully designed with a full bed/bath downstairs for either multi-generational living, a private guest suite or home office. Beautifully appointed kitchen with Quartz counters, Stainless Steel Appliances, warm wood cabinets and an oversized island with sink - will delight any chef. Take a break in the private sanctuary of your master bedroom retreat - large soaking tub and stall shower with double walk in closets will make you feel like you are at a spa. Enjoy an evening meal or weekend brunch on your covered patio while overlooking your beautiful, lush backyard. Elegant & Efficient - in addition to all this beauty - home has abundant storage with built-ins, large walk-in pantry, an oversized linen closet, upstairs laundry, solar, and 3 car tandem garage equipped with a Level 2 EV charger. Located in one of Rocklin's most desirable master planned communities. Whitney Ranch has so much to offer. You will feel like you are at a resort with multiple pools, BBQ, clubhouse, cabanas and banquet facilities available to you at The Ranch House. Don't forget Rocklin's award-winning schools. A MUST SEE!

8625 Marsh Creek Ct

Welcome to Morgan Creek, a sought-after, prestigious gated golf course community!  This beautiful single story move-in ready home is perfectly situated in a quiet cul-de-sac, offering the ideal combination of privacy and convenience. It boasts 4 bedrooms, 3 baths and 3-car garage and meticulously landscaped front and backyards. The backyard is an entertainer's paradise, featuring a tranquil koi pond, a sparkling waterfall pool, and a relaxing above-ground jacuzzi. A covered California Room with a fireplace provides the perfect setting for year-round outdoor gatherings. For added convenience, a bonus parking area accommodates water sports or camping toys. Step inside and be greeted by an inviting entryway that frames breathtaking views of the backyard oasis. The chef’s kitchen is a highlight, bathed in natural light and featuring double ovens, marble countertops, an island with a sink, and a walk-in pantry—ideal for hosting or family meals. The primary suite is a retreat in itself, offering a cozy sitting area or office space with direct access to the backyard. The luxurious en suite bathroom boasts a soaking tub, dual sinks, and a separate walk-in shower, creating the perfect space to relax and unwind. This home is within walking distance of scenic walking trails, playgrounds, and community parks, adding to its appeal. Don't miss out on this incredible opportunity to own a slice of paradise in Morgan Creek!

3965 Oak St

Nestled in the heart of Rocklin, this charming house has been thoughtfully updated to blend comfort with modern convenience. The exterior showcases brand-new front landscaping, designed with vibrant plants and fresh greenery. Inside, the cozy living room is bathed in natural light shining through dual-pane windows. The beautiful hardwood floors add warmth to the space, creating a welcoming atmosphere. The kitchen is lovely with tile, granite, and stainless appliances, updated cabinetry, and a quaint breakfast nook overlooking the front yard. The home features the convenience of an inside laundry area, adding practicality to its charm. The bedrooms are cozy and comfortable. The bathroom has been tastefully updated. Sit on the private back patio with coffee in the morning or relax in the evening after work. This home is located in a friendly, very walkable neighborhood, in the Rocklin Unified School District with Rocklin Schools, and 7 minutes from Sierra College. It's been freshly painted and nicely updated and offers a sense of community and convenience, making it an ideal place to settle in Rocklin.

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Rent vs Own with the Gold Star 3/2/1 Advantage

Watch how our client was able to avoid paying over $178,000 in rent and purchase their new home, while securing a below market rate!

How to Create Affordability in Today’s Market – Christie Stryker

Hello, We've been saying this for some time now, "the increase in rates is an excellent thing for potential buyers." If you're a potential buyer, you might disagree with us, but we'd like to explain our thoughts on this. We understand that, as a buyer, you might have exited the housing market because of the higher prices and then stayed out of the market due to the increase in rates. For most buyers, not only can you not find a decent home, you also can't afford to purchase because of the increased rates. That's about to change; the market is shifting and allowing more homes (not enough to fit our national inventory issues) to come to market for potential buyers to purchase. Now, that's only the first half of the problem we need to solve; we also need some more affordable financing to go along with more homes coming to market. This is where we come in to help you as a potential buyer using our Seller Buy Down strategy. This is how we can bring back affordability and get you back into the housing market. Watch these videos and call to schedule a personalized consultation so that we can create your customized re-enter game plan. Thanks! Christie & Gene

How To Create Affordability in Todays Market

Hello, We've been saying this for some time now, "the increase in rates is an excellent thing for potential buyers." If you're a potential buyer, you might disagree with us, but we'd like to explain our thoughts on this. We understand that, as a buyer, you might have exited the housing market because of the higher prices and then stayed out of the market due to the increase in rates. For most buyers, not only can you not find a decent home, you also can't afford to purchase because of the increased rates. That's about to change; the market is shifting and allowing more homes (not enough to fit our national inventory issues) to come to market for potential buyers to purchase. Now, that's only the first half of the problem we need to solve; we also need some more affordable financing to go along with more homes coming to market. This is where we come in to help you as a potential buyer using our Seller Buy Down strategy. This is how we can bring back affordability and get you back into the housing market. Watch these videos and call to schedule a personalized consultation so that we can create your customized re-enter game plan. Thanks! Jenna & Gene

Financial: Buying in a seller’s market?

When you’re trying to buy in a seller’s market, you want every competitive edge you can get. If you find yourself in this situation, we can help. We’ve got three tips we generally recommend. One of them is setting up an initial consultation with us, where we’ll teach you everything from how to shop for rates to setting a realistic budget. To learn our other tips, watch this short video.

Reviews

"We recently had the pleasure of working with Gene and Bernei from Lucent Mortgage to secure our home loan, and our experience was nothing short of exceptional. From the initial stages of the mortgage process to the final closing, Gene and Bernei demonstrated professionalism, expertise, and unparalleled customer service. Gene, in particular, stood out for his unwavering commitment to ensuring our understanding of every aspect of the mortgage journey. He was consistently available at any time for questions, demonstrating an impressive level of responsiveness that eased our concerns throughout the entire process. This availability provided a sense of security, making us feel valued as clients. One of Gene's standout qualities was his ability to break down complex mortgage issues into easily digestible information. He took the time to explain intricacies in a manner that was clear and concise, helping us navigate through what could have been overwhelming details. This thoughtful approach made the entire experience not only manageable but also empowering, as we felt well-informed at every step. Additionally, Gene provided us with a plethora of estimates and number breakdowns, allowing us to make educated decisions about our mortgage. This transparency and thoroughness were greatly appreciated, as it enabled us to make informed choices that aligned with our financial goals. Bernei's support complemented Gene's efforts seamlessly. Together, they formed a dynamic team that prioritized client satisfaction and made the entire mortgage process as smooth as possible. In conclusion, our experience with Gene and Bernei at Lucent Mortgage was outstanding. We are now happily settled in our new home, and we credit much of the success of this endeavor to the expertise and dedication demonstrated by Gene and Bernei. If you are in search of a mortgage lender that goes above and beyond, we highly recommend considering Lucent Mortgage."

alexis johnson

"Bernie consistently went above and beyond my expectations and provided a great, easy, and as hassle free as possible, lending experience. She is very communicative, great at explaining things to a non mortgage person, and walked me through the best possibilities for my situation. I would definitely recommend Bernie to anyone because I know they will be well taken care of!"

karl foss

"Extremely efficient, honest, possess good knowledge of the loan and very proactive. The best part was that it made me feel as if i am dealing with a friend and Gene goes out of the way to make the loan happen before time. Great advisor on guide."

tkhanna786

"Refinancing and all the paperwork is never easy, but Gene & Bernie and team made the entire experience worthwhile and a pleasant experience. From start to finish, they were attentive and clearly strive to be the best in their field. They helped us during the initial purchase and now during the refi. We would definitely highly recommend Gene & Bernie."

shal & hiresha

"This is our second time using Gold Star Mortgage. Five years ago we were in the process of buying our first home. I am retired from the military so we decided to use the VA loan. We talked with other lenders before talking with Gene Agustin and it was a night/day experience from the other lenders. Other lenders we spoke with liked to use the word "Veteran" in their title to appeal to military families. The communication with them was poor and we were constantly calling for updates and information. This didn't give me confidence that my family was in good hands. We reached out to Gold Star Mortgage at 5701 Lone Tree Blvd in Rocklin, CA and Gene set up an appointment for my wife and I to discuss our options. We were blown away at how professional Gene, Bernie and the entire staff were to us. Gene blocked out his schedule to fully explain the home buying process to the point of preparing a custom presentation, with very detailed financial information regarding our specific VA loan. We left his office knowing we were very well taken care of. We received exceptional communication throughout the entire home buying process. Every step was processed in a timely manner and we received an interest rate that was far better than the lenders we previously spoke with. Gene and Bernie at Gold Star Mortgage are our forever trusted mortgage experts. We just completed a VA streamline refinance with Gold Star, and as before, they made the process so seamless and easy. Gene and Bernie work very hard for their clients. We secured an amazing interest rate again and closed in less than two weeks! We will forever use Gold Star Mortgage for our future home buying and mortgage finance needs."

barry&sandra gahl

"Bernie is so amazing, she is fast, and very knowledgeable. Will always recommend Bernie 10/10!! You will not be disappointed if you choose Bernie at gold star mortgage!"

bos888

"Fast, professional and transparent... took 3 weeks from start to finish with detailed analysis and open communication . Would highly recommend Gene and Bernie"

purvesh khona

"Bernie is truly outstanding. She provided a thorough analysis of refinance options and expert guidance throughout the loan process. She is highly reliable, detailed oriented, and great at communicating. I highly recommend working with Bernie"

becky g

"After working with another broker and wanting to pull my hair out, I finally asked Bernie and Gene to advise on my unique home-buying situation - a large chunk of my income is in RSUs, and I live in an expensive area, so I needed the RSUs to count on paper. Not only were they able to refinance my mortgage at no cost and save me over $1,200 a month, they made the entire transaction as smooth and pain-free as possible. From start to finish, Bernie was organized, available, and extremely patient with all of my questions, keeping me informed throughout every step of the process. I can't recommend them enough to anyone who wants a headache-free mortgage process. Thank you, Bernie and Gene! You are truly the best in the business."

erica b.