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Loan Modification Continues to Frustrate
I had coffee this morning with my good friend Tim Clegg of REO Bank Cleanup. Tim works for the banks to clean up homes after they have been foreclosed on to get them ready for sale. When he gets assignments from his bank accounts, he is told to go change the locks on a vacant house, is supplied with an address and from there he’s off.
Most times, he gets to the house and it’s still occupied by homeowners who think they are in the process of a loan modification and are shocked that they have been foreclosed on and have to move.
This is all too common and Tim sees this first hand every week. This can happen to anyone attempting to modify their home loan when various departments within the same bank aren’t talking to each other. It’s just normal for this to happen.
The failure rate for loan modifications is still ridiculously high.
Bank Of America Reducing Principal Loan Amounts
B of A is beginning a program to reduce the amount of the first loan amount of some borrowers who are underwater on their homes. Although there are 1.5 million loans on their books that are 60 days or more behind on their payments, there are only 45,000 of these borrowers who will qualify. This equates to only 3% of the loans 60 days or more delinquent. Doesn’t seem very productive, more like a token gesture AND they mail you a letter if you qualify.
Makes me wonder just how many of those letters will actually go out.
Below is a quote from one of the executives at B of A:
“The new program won’t be available until May and Bank of America will be doing the outreach to you if you qualify. Jack Schakett, a credit loss mitigation strategies executive for the bank, said in a press conference today there were 1.5 million borrowers 60 days or more behind on their loans, but not all these borrowers will qualify. Right now the bank estimates about 45,000 customers will ultimately qualify for this program and about $3 billion dollars of principal will be reduced, provided all the customers accept and complete the program.”
Just like the governments’ miserable attempts to thwart this crisis, B of A is doing no better. Here is the a link to the article for your convenience.
Sacramento No Longer In Top Ten
According to RealtyTrac.com, Sacramento is no longer on the top ten list of best places to buy a foreclosure. San Francisco, however, did make the top ten. Click here for the article.
This nice news…in a way. 
So Are Home Values Increasing or…..Who The Hell Knows??
Every weekday morning I get two subscriptions about housing in my email. This helps me to report, as accurately as possible, relevant housing news so I can report how it affects our local housing market.
As you can see from the Sacramento Real Estate Report and the South Placer County Real Estate Report, published last week, we’re just bouncing along the bottom as far as home values are concerned.
Yet, here is a report from Zillow saying that home prices have increased and another from Case Shiller saying that home prices have decreased. Can my job be made any harder??
In this case, Zillow is talking about April whereas Case Shiller is talking about the first quarter of the year. The problem is that both of these reports talk about real estate on a national level. This can’t be more irrelevant. Real estate is hyper local as markets are vastly different. The San Francisco real estate market and the Sacramento real estate market are nothing alike and they’re only 100 miles apart.
Oh wait that’s not entirely true.
Homes are bought and sold in San Francisco and homes are bought and sold in Sacramento. In this way, they’re exactly alike! That’s probably what they meant, ya think??
Empire Mine State Park, Grass Valley
This isn’t entirely real estate related but this weekend, Memorial Day, my family and I went up to Grass Valley to the Empire Mine State Park. Did you know that if you measured in vertical feet they went straight down almost 1 mile mining gold? They pulled out something like 5.2 million ounces of gold and geologists still think they only got 80% of what there.
Incredible.
What we really enjoyed was the bike ride we went on with our mountain bikes on Union Hill just slightly northeast of the park. Rolling hills and really pretty this time of year. The weather was just phenomenal.
The picture to the right is of the Pipe Line Trail that is connected to several trails throughout Union Hill. The Hard Rock Trail toward the Penn Gate was also a nice ride.
My son is 7 and he was able to make it all the way around with minimal whining which is always a success!
One thing about Union Hill that I didn’t notice on the trail to Penn Gate from the mine…poison oak. The trails on Union Hill seemed to be just covered in the stuff so watch out for that. Other than that, it was fun and interesting for the whole family! (so corny)
Thanks for visiting!
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Sacramento County Real Estate Market Report
Average Sales Price Jumps 2nd Month In A Row
Over the last 6 months, the average sales price has increased 5.9% in the Sacramento County real estate market with 4.8% of that coming over the month of April. The average sales price in Sacramento County has been relatively stable for a couple of years, going up a little, coming down a little but generally hovering around $185K to $190K since January 2009.
The low of $179K was in January of this year but it’s been all up from there. Some economists are saying that we should have cautious optimism as prices could still continue to decline slightly going into 2013.
Average Days To Sell Goes WAY down
The average days on the market for home sold in Sacramento County has gone down 12.2% over the last 6 months, 4.8% of that over the last month. With all of the short sales, representing a whopping 71% of the market with properties in active short sale contingent status included, the average days on market coming down below 80 days, if only slightly, is significant.
EDIT: Not believing that I had been correct that short sales and short sale contingent properties equated to 71%, I double checked that number and this has been verified.
Short sales are becoming easier, approval rates are continuing to climb. Banks seem to be getting a clue that short sales are a better option for all parties concerned than foreclosure will ever be when given the choice. Sometimes foreclosure is the only option and banks are forced to foreclose but generally, as long as the homeowner is cooperative, the banks are seeming to prefer short sales over foreclosure.
Homes Available for Sale Continues Decline
The entire region is suffering from a lack of available homes for sale. The total number of homes for sale in Sacramento County has gone down 47.8% over the last 6 months. That said pending sales have gone up every month this year with exception to April where pending sales are down just .8%.
Inventory declines and high pending sales and sales generally equate to higher sales prices but until recently that hasn’t been the case as prices have remained in a relatively narrow range.
City By City Home Values*
Listed below are the average sales price for the cities listed for the month of April.
| City | Average Home | Average Sales Price | Value Trend |
| Citrus Height – both zips | 3 beds, 2 baths, 1504 sq. ft. | $158,000 | Stable – last 2 months |
| Carmichael | 3 beds, 2 baths, 1784 sq. ft. | $248,438 | Up – last 2 months |
| Fair Oaks | 3 beds, 2.5 baths, 1911 sq. ft. | $251,554 | Stable – last 3 months |
| Folsom | 4 beds, 2.5 baths, 2146 sq. ft. | $333,175 | Up – last 4 months |
| North Highlands | 3 beds, 1.5 baths, 1171 sq. ft. | $88,575 | Up – last month |
| Orangevale | 3 beds, 2 baths, 1640 sq. ft. | $205,782 | Up – last 3 months |
| Rancho Cordova/Gold River | 3 beds, 2 baths, 1585 sq. ft. | $172,918 | Up – last month |
| Elk Grove – both zips | 4 beds, 2.5 baths, 2103 sq. ft. | $224,743 | Down – last month |
| Sac – Down, mid, east | 3 beds, 1.5 baths, 1359 sq. ft. | $266,625 | Up – last month |
| South Sacramento | 3 beds, 2 baths, 1492 sq. ft. | $148,025 | Up – last 3 months |
| North Sacramento | 3 beds, 2.5 baths, 1751 sq. ft. | $164,112 | Up – last 2 months |
| Antelope | 3 beds, 2.5 baths, 1715 sq. ft. | $169,588 | Stable – last 6 months |
*Don’t see your city or area? Just let me know and I’ll get it to you promptly.
Sacramento Real Estate Market Summary
Sacramento County real estate is seemingly on it’s way to recovery. If you look at the cities listed in the home values table above, only 1 city reported a decline in home values over the last month. This may be seasonal but overall, this is a very positive sign for buyers and sellers of Sacramento County real estate.
If you’re interested in purchasing or selling a home in Sacramento County, please either call, text, email or simply fill out the form below and we’ll get back to you promptly.
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South Placer County Real Estate Report
Inventory Of Homes For Sale Historically Low
The total amount of homes for sale currently is the 4th lowest level I’ve seen since I began my career in real estate 10 years ago. That said, buyers are not buying everything that is available on the market as sparse as it is. Homes that are not priced attractively or where the condition is less than desirable will sit unsold unless the value is there for buyers to perceive.
There are a lot of articles being written now stating that while home values have gone up slightly, these value increases are seasonal. The lack of inventory is creating competition for homes thus increasing sales prices.
Caution is being advised that home values still have more to lose and that may or may not be the case. We’re getting into the same market “grey area” that we saw in the last part of 2006 and the beginning of 2007. Not making dramatic increases or decreases. Flattening, so to speak, of home values makes the market direction more difficult to call. What direction the market goes next winter will give more clear indications of what the market will do in the next couple of years.
Home Values In South Placer County
The graph below illustrates just how much value has been lost since the beginning of the “flattening” of home values in South Placer County real estate in the beginning of 2009.
As the table indicates, since April of 2009 home values have dropped 8.3% and have increased slightly depending on the community. Home values could always drop further but based on the trends of the last 3 years, the decline has slowed to a crawl. Any appreciation will be a slow crawl as well.
To see prices drop steeply again, a very large increase in homes for sale would have to come on the market. Right now, I’m not seeing any surge in inventory in the near future. Inventory levels may increase naturally but I don’t see a sudden increase in homes for sale in the near term.
For this to happen suddenly, the banks would have to foreclose on a lot of the “shadow inventory” and dump it on the market. As a friend of mine says…it’s like Sasquatch..you hear about it but it’s not something anyone has seen.
Now when the trend seems to be reversed from 2008 and 2009 where the banks were not approving short sales in favor of foreclosing to now approving short sales and avoiding the foreclosure process if possible.
The bad news: The average sold price of a home in South Placer County in April of 2001 was $307,000 while the average sales price of a home sold in April of 2012 was $299,000. The region has lost a decade or more of home values.
The good news: It looks like even the gradual decline in values is all but over. The latter part of 2012 will be important to see if the value increases we have had this year are sustained into 2013. If values are sustained it’s a sign that the bottom is now.
South Placer County Homes For Sale and Sold
Sales of single family homes has been quite consistent over the last 6 months region wide with an average of 336 homes selling per month over the last 6 months. While the numbers of homes available for sale has been steadily going down, pending sale numbers have risen above the number of homes available for sale.
The total number of homes available for sale has declined 34% in the last 6 months while pending sale numbers have increased almost 42% over the same period. It still amazes me that considering the lack of homes available for sale, the amount of pending sales and sales that home values haven’t really come up substantially over the last 6 months but have come down slightly overall. It seems to go against traditional economic thinking that when demands exceeds supply, prices go up. We haven’t seen that in the South Placer County real estate market.
City By City Average Sales Prices*
Below is a table with the average sales prices for the month of April for each community listed. If you would like an assessment of the value of your home, please don’t hesitate to email, text or call me.
| City | Average Home | Average Sales Price April | Value Trend |
| Sun City Lincoln Hills | 2 beds, 2 baths, 1764 sq. ft. | $358,000 | Up – Last 2 months |
| Lincoln Crossing | 4 beds, 3 baths, 2608 sq. ft. | $216,000 | Down – Last month |
| Lincoln North, East, West | 3 beds, 2.5 baths, 1865 sq. ft. | $214,000 | Down – Last month |
| Lincoln 12 Bridges | 4 beds, 3 baths, 2951 sq. ft. | $389,000 | Up – Last month |
| Auburn | 3 beds, 2.5 baths, 2022 sq. ft. | $281,000 | Down – Last month |
| Loomis | 3 beds, 3 baths, 2481 sq. ft. | $405,000 | Down – Last month |
| Newcastle/Penryn | 3 beds, 2.5 baths, 2082 | $240,000 | Down – Last 2 months |
| Roseville 95661 | 4 beds, 2.5 baths, 2256 sq. ft. | $332,000 | Up – Last month |
| Roseville 95678 | 3 beds, 2.5 baths, 1735 sq. ft. | $230,000 | Up – Last 3 months |
| Roseville 95747 | 3 beds, 2.5 baths, 2151 sq. ft. | $291,000 | Down – Last month |
| Rocklin 95765 | 4 beds, 3 baths, 2482 sq. ft. | $325,000 | Down – Last month |
| Rocklin 95677 | 4 beds, 2.5 baths, 1939 sq. ft. | $271,000 | Up – Last 2 months |
| Granite Bay | 4 beds, 3.5 baths, 3209 sq. ft. | $631,000 | Up – Last month |
*Not seeing your city? Just email me and I’ll send you the info promptly.
South Placer County Real Estate Summary
South Placer County is suffering from a lack of homes to sell. Prices have gone up in some communities and down in others. In South Placer County as a whole, prices have appreciated 7.2% over the last 6 months and 1.3% over the last month. Most think this is a seasonal trend and will flatten and or continue to go down once the selling season slows down. Other economists think that the market will continue to appreciate slowly from here on.
Whatever direction the market goes, among economists it’s agreed that it’s going to be a slow recovery and that’s a sign of market stability.
Got questions? Please either call, email, text or simply fill out the form below and I’ll get back to you promptly.
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Get Smashed!!
SmashBurger A Hit!
I am not generally a burger guy at least not a regular burger guy. On occasion I do enjoy a good burger if you can find one. That isn’t as easy as it might seem. Besides, I am of the belief that pizza is WAY better for you than burgers!
With the trends going away from Krispy Kreme’s and toward more healthy food choices, you’d think that there wouldn’t be a new burger joint opening up in Roseville every other week but there seems to be more and more quality burgers being served lately.
The Habit, The Counter (way overpriced btw), Squeeze Inn and Islands have all opened over the last few years and do serve very good burgers..but there is a new kid on the block..
Smashburger has opened across from the Fountains next to BJ’s Brewery and while it’s been there a while, I’ve only recently had one of their burgers and it was really good. The meat was cooked with spices that made it very flavorful.
They have a variety of things you can get on them, pretty much anything you’d like, and the service is very speedy. Friendly people, good burgers..what else is there??
I prefer the bacon cheeseburger option with a variety of cheese choices. There are many, many options and although I’ve only been twice, I had different burgers each time. Plenty of toppings to choose from with very good tasting burger meat.
If you’re looking for a good burger served quickly but with care SmashBurger is a good bet. My family loves it.
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South Placer County Real Estate Report
Pending Sales Increase 38% Over The Last 12 Months
Just like Sacramento County, the pending sale numbers in South Placer County have skyrocketed over the last 15 months climbing an astounding 99%. Buying is in the air with 55% of the activity in the $150,000 to $300,000.
Sales have also climbed up as a result of all of this activity. Sales in South Placer County has climbed 19% over the last month alone. With pending sale performance like we’ve seen in South Placer County, the sales numbers for 2012 are looking pretty rosy.
As is plainly clear in the graph below, the total amount of homes for sale has been going down consistently month after month. 
Homes For Sale In South Placer County
Over the last 15 months, the total number of homes for sale has declined 42%. I believe the market would be healthier if there were more homes to sell than there is. There are buyers ready to purchase who are being squeezed out by investors with cash and financed offers with very generous terms.
While this market may be tough on buyers, it’s a BOON for investors. There is profit in buying properties at the auction for a severely discounted price then fixing up and flipping them to waiting buyers in the market. There is a lot of this going on especially in the sub $175K price ranges.
Foreclosures of late have been slowed to a crawl. Starts are down only because the lenders are re-tooling, so to speak, to make adjustments to the new rules put in place by the settlement involving the “robo-signing” debacle. This is also contributing to the lack of homes available for sale.
There has been less than 3 months of homes available for sale for the last 12 months. Incredible.
South Placer County Average Sales Price
Unlike Sacramento County, South Placer County home values have been declining for what seems like forever. It appeared that home values were settling down a bit and stabilizing during the first half of 2011 but just when you get comfortable, they start going down again.
Home values have declined 11.8% over the last 15 months, 9.8% over the last 12 months and 1.8% over the last 30 days. Most economists have predicted that this year or next, home value declines will begin to slow and stabilize. As I write this it seems so familiar. Economists have been saying this for the last 4 years at least and we haven’t seen it yet.
When prices in South Placer County will begin to stabilize is anyone’s guess. I have no idea.
City By City Average Sales Prices*
In the table below you’ll find the average sales price for the average home in each community. If you have a home you’d like either a sold price or value of please just send me an email with an address and I’ll be happy to work that up for you.
| City | Average Home | Average Sales Price | Value Trend |
| Sun City Lincoln Hills | 2 beds, 2.25 baths, 1825 sq. ft. | $348,948 | Decline – last 3 months |
| Lincoln Crossing | 4 beds, 3.24 baths, 2971 sq. ft. | $250,710 | Decline – Last 2 months |
| Lincoln North, East, West | 3 beds, 2.5 baths, 1977 sq. ft. | $222,920 | Stable – Last 2 months |
| Lincoln 12 Bridges | 4 beds, 3 baths, 2743 sq. ft. | $318,020 | Increase – Last month |
| Auburn | 3 beds, 2.5 baths, 2115 sq. ft. | $293,455 | Stable – Last 2 months |
| Loomis | 4 beds, 3.38 baths, 3054 sq. ft. | $571,046 | Decline – Last 2 months |
| Newcastle/Penryn | 3 beds, 2.20 baths, 1937 sq. ft. | $278,000 | Increase – Last 3 months |
| Roseville 95661 | 4 beds, 2.5 baths, 2117 sq. ft. | $290,008 | Stable – Last 2 months |
| Roseville 95678 | 3 beds, 2.36 baths, 1761 sq. ft. | $212,689 | Increase – Last month |
| Roseville 95747 | 3 beds, 2.69 baths, 2174 sq. ft. | $300,185 | Increase – Last month |
| Rocklin 95765 | 4 beds, 2.76 baths, 2438 sq. ft. | $345,826 | Decline -Last 3 months |
| Rocklin 95677 | 4 beds, 2.56 baths, 1979 sq. ft. | $254,246 | Decline – Last month |
| Granite Bay | 4 beds, 3.22 baths, 3124 sq. ft. | $513,898 | Decline – Last 3 months |
*Not seeing your city? Just email me and I’ll send you the info promptly.
South Placer County Real Estate Market Summary
Because South Placer County real estate has further the fall than most areas of Sacramento County, we’re still seeing value declines in most communities. While economists are predicting that real estate values will begin to stabilize, we’re not seeing that in the higher end communities of South Placer County just yet. That said, we are seeing, to some degree, values increasing slightly in the lower price ranges.
This will gradually begin to flow upward and homes in nicer communities will begin to appreciate slowly as well. I expected that the homes in the sub $170K price ranges would be increasing in value based on my experiences representing buyers in this price range. While it’s true they are coming up slightly, it’s very slow in coming.
This may result in homes in the higher price ranges appreciating, when that finally happens, slowly as well. This downturn is going to take years to recover from.
Do you need to purchase or sell a home in the South Placer County area? If so, please either call, text, email or simply fill out the form below and I’ll get back to you promptly.
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Sacramento County Real Estate Market Report
Pending Sales Off The Charts
In the first 2 months of this year, pending sales have increased significantly. Since December pending sales have increased 59% and over the last 15 months 99%. It seems the world has found out that the market is turning or at least stabilizing.
Homes Available for Sale
While the market is producing amazing pending sale numbers, there is a concern around the region regarding the available homes for sale. It’s been the case that there haven’t been as many homes to sell as the market is demanding. There are several reasons for this not the least of which is that the banks aren’t foreclosing in a timely manner and homes that would normally be on the market due to the foreclosure process are slow to come to market.
In all of Sacramento County, there is just 2 months of homes for sale at the current pace of sales. This is officially, and has been for some time, a sellers market. Home values could be poised for a rebound should the total number of homes for sale continue at current levels.
My personal experience is that first time home buyers are having a harder time than ever in the sub $170,000 price range in competition with investors and all cash offers. I’ve recently had an investor accept a lower cash offer rejecting a higher financed offer. The values on these homes is certainly coming up.
Average Home Sales Price – Sacramento County
The average home in Sacramento County is 3 beds, 2.25 bath and 1706 square feet. The average sales price of this home in February was $183K and has been holding relatively steady for quite some time with slight variation up and down depending on the month. Over the last 15 months the average sales price has been as high as $200,000 and as low as $180,000.
The current trend of the average sales price for this home is upward.
City By City Home Values*
Below is a table of home values for most of the cities in the Sacramento region. I don’t include all cities in Sacramento County and if you don’t see your city listed please email me with the information you like to see and I’ll send it to you.
| City | Average Home | Average Sales Price |
| Citrus Heights – Both zips | 3 beds, 2 baths, 1484 sq. ft. | $153,917 |
| Carmichael | 3 beds, 2 baths, 1645 sq. ft. | $209,073 |
| Fair Oaks | 3 beds, 2.5 baths, 1981 sq. ft. | $252,772 |
| Folsom | 4 beds, 3 baths, 2169 sq. ft. | $326,809 |
| North Highlands | 3 beds, 2 baths, 1214 sq. ft. | $101,529 |
| Orangevale | 3 beds, 2.5 baths, 1709 sq. ft. | $208,647 |
| Rancho Cordova/Gold River | 3 beds, 2.5 baths, 1707 sq. ft. | $180,888 |
| Elk Grove – Both zips | 4 beds, 2.5 baths, 2094 sq. ft. | $218,483 |
| Sac – Downtown, Mid-Town, East | 3 beds, 2 baths, 1383 sq. ft. | $188,674 |
| South Sacramento | 3 beds, 2 baths, 1456 sq. ft. | $124,229 |
| North Sacramento | 3 beds, 2.5 baths, 1755 | $162,887 |
*For more detailed information about your neighborhood, please contact me with your address and I’ll be happy to create a market analysis for you free of charge.
Sacramento County Real Estate Summary
In general, the trends that are coming out in the national media about real estate aren’t entirely true about the Sacramento County real estate market. Our pending sales are better than the national average and our inventory of homes for sale is far less than what is being reported nationally.
We didn’t have a slow down in sales last month, when looking at the pending sales numbers, like the rest of the nation. All in all, Sacramento County has outperformed many, many areas of the nation in these areas.
It’s a good time to purchase a home in the Sacramento region. We are approaching the bottom of the market in many areas, so it seems, and that’s when it’s time to buy.
If you’re looking to purchase or sell a home in the Sacramento area, I’ve got 10 years of full time experience and have sold homes successfully in every city in the area. I’d be honored to help you too.
To contact me, please call, email, text or simply fill out the form below and I’ll get back to you promptly.
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Rocklin/Roseville Home Values Still Declining
Is The Bottom of the Market Really Coming?
With all of the talk by economists about the bottom of the real estate market coming this year or possibly as late as next year, you’d think we’d begin to see a tourniquet applied that would slow down the bleeding of home values in the Rocklin/Roseville area.
Alas, not yet.
Almost every zip code in Rocklin and Roseville is still losing a little value and while we’re just into the new year, the value losses just seem to keep on coming.
That said, my honest opinion is that anyone purchasing a home this year will be glad they did over the long term no matter what area of the region you’re focusing on.
Inventory Issues
I have plenty of buyers to work with. The trouble we are finding with the market now is a stunning lack of homes available for sale.
The homes that are for sale have multiple offers on them and competition is stiff especially in the sub $170,000 range. Cash buyers seem to be everywhere and, like when the market was raging in the earlier part of the decade, my first time home buyers can’t seem to buy a break.
I’ve have helped buyers make offers on 4 homes in the last 10 days only to be thwarted by the competition. That’s a healthy thing but a pain in the neck for my clients. I have a client who has placed offers of $145K on a property priced at $129K and not be close. In this particular neighborhood, nothing had sold for more than 105% of list price and we were at 112% which I thought had a good chance to be accepted.
Not so much!
The moral of the story here is that if you’re in the market to buy, you’d better have some upward mobility and be looking a little lower than your max price range to have a chance at purchasing a home. Most of all patience is the key.
Flippers Are Acting Like The Banks
I’ve got a deal now that is very close to closing in Sun City Lincoln Hills. You may or may not know this but getting a loan done on time is not the easiest thing in the world right now. Lending in general has changed significantly since the downturn in the market.
The seller wanted to close in 30 days and so did we. The lender had “pre-approved” the buyer yet when it came down to it, the buyer’s DTI was a little off. The short story is that we had an initial denial then was able to turn that “frown around” and get the deal done..but not in 30 days.
The seller wants, just like the banks want, a per diem of $75 per day for every day past the close of escrow date. Ok…
Heads up people this is real world stuff here!
Pending Sales??
There is an article out this week saying that the NAR says that pending sales numbers are higher than they’ve been in almost 2 years. After a quick check on this for the Rocklin/Roseville area, I would agree, the pending sales numbers are off the charts in our area too! Here are the January numbers:
|
Zip Code |
% Month over Month Increase |
| Rocklin, 95765 | Up 74.2 over December 2011 |
| Rocklin, 95677 | Up 25% over December 2011 |
| Roseville, 95661 | Up 10.3% over December 2011 |
| Roseville, 95678 | Up 97.2% over December 2011 |
| Roseville, 95747 | Up 83.5% over December 2011 |
Pretty good start to the year, eh? I should say so. Stay tuned to values over the next 2 to 3 months. If this kind of activity continues, it could correspond with an increase in home values.
And speaking of home values…below are the average sales price graphs for every zip code in Rocklin and Roseville.
Roseville 95661
Rocklin 95677
Roseville 95678
Roseville 95747
Rocklin 95675
Got questions? Please either phone, text, email me or fill out the form below and we’ll get your questions answered.
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