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Where did the Appraisal Go? Steve Ostrom and Dara Delgado discuss why some files have buyer appraisal waivers

Where did the appraisal go?

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You’re a buyer and your offer just got accepted – congratulations! 

You are being the best buyer ever and you have all your remaining requested information over to your loan person, and now you’re informed you have the option for an appraisal waiver … what’s that all about?

REALTOR Steve Ostrom with Coldwell Banker Realty in Roseville, CA sits down with the mortgage broker, Dara Delgado with Dara’s Loans to review why some files might see the option of an appraisal waiver and what could possibly be some of the variables that create this scenario. 

We also touch on why you may NOT want an appraisal waiver as a buyer.

Each buyer scenario is unique with inherent risks any party is willing to take on or forego the option of an appraisal waiver. There may be strategic maneuvers when a buyer may choose to state that they may have an appraisal waiver to increase the appeal of their offer, but as always, you should always review in detail, the pros and cons of your unique situation to understand all risks and possible benefits.

We do encourage you discuss these items with your lender in advance of going into contract and be sure to include your buyer’s agent in this conversation. Never rush into any financial decision without research and having your questions and concerns answered.


To discuss your unique scenario as a buyer (or seller that will be in this scenario) – give Real Estate Agent, Steve Ostrom a call or text 916-308-2446 or click here. **

To review loans and investments, give Dara Delgado a call / txt at 916-224-3327 or click here to visit Dara’s websiteNMLS #249825 | CALIFORNIA – Mortgage Broker that can assist with refinances, purchases, and loans. **

*With all purchases / decisions – always consult your trusted financial, tax, or loan person before making any financial decision. All items mentioned here are for educational purposes only, not advice for your unique buyer or seller situation.

**Please identify yourself as a buyer or seller represented by a real estate agent. We ethically must be respectful of all current real estate relationships, including buyer broker agreements in place. Your representation must be the party answering contractual questions*

This video was filmed in January 2026

Where did the appraisal go? Read More »

Housing Data for the Placer County real estate market

Housing Market Updates for Placer County

Home Sales in Placer County

view past city & County home Sales
and current homes on the real estate market

  1. ALL links below will auto-update to the correct current year and quarter.

  2. There is a second link to see all current “active” inventory for the respective cities.

  3. Questions about your home or local market, contact REALTOR Steve Ostrom at Coldwell Banker Realty –  call/text 916-308-2446.

  4. Out of area, feel free to call us for recommendations for nearby cities and counties!

County Home Sales Data

past quarterly sales - placer county

see all the homes that sold in placer county, california last month

City Sales + for sale homes

past monthly sales - Roseville

see all the homes that sold in roseville, california last month

homes for sale in roseville

active roseville homes only on the metrolist

PAST MONTHLY SALES - ROCKLIN

see all the homes that sold in rocklin, california last month​

Homes for Sale in Rocklin

homes for sale in rocklin, california

PAST MONTHLY SALES - LOOMIS

see all the homes that sold in loomis, california last month​

Homes for Sale in Loomis

homes for sale in loomis, california

PAST MONTHLY SALES - GRANITE BAY

see all the homes that sold in granite bay, california last month​

Homes for Sale in Granite Bay

homes for sale in granite bay, california

PAST MONTHLY SALES - Penryn

see all the homes that sold in penryn, california last month​

Homes for Sale in Penryn

homes for sale in penryn, california

PAST MONTHLY SALES - Lincoln

see all the homes that sold in lincoln, california last month​

Homes for Sale in Lincoln

homes for sale in lincoln, california

Housing Market Updates for Placer County Read More »

APN Placer County Assessor's Website Searching Tax Bills

View Past Property Tax Bills in Placer County

View a Property’s Past Tax bill

We’re often asked about past property taxes for a home they’re interested in buying and seeing the breakdown of those taxes (including questions about Mello-Roos)

We can help you find the info and answers to your questions! As a reminder, you should ALWAYS contact the Placer County Tax Collector’s Office 530-889-4120 or the Placer County Assessor’s Office at 530-889-4300. Or call them for any detailed tax related questions about the property.

All parties on this post are to verify all information found here. Agents cannot verify tax amounts with any property due to liability reasons.


**For Placer County ONLY**


How to VIEW a Past Property’s Tax Bill

First, head to the Placer Assessor’s Office website – click here

The link above will take you to the Placer County Assessor’s Official Website Page for Property Details Research (you should see an image similar to below)

Placer County Assessor's Website

Once you agree to the “terms of the Placer County Assessor’s website” (check box) it will take you to the image below.

Warning: if you have pop-up menus disabled on your web browser, you may have to enable them temporarily

This pop-up window will include a drop-down menu option (see screengrab below) with options to either enter the property’s APN (assessor parcel number) OR the property’s address.

APN Placer County Assessor's Website Searching Tax Bills

Enter your info and voila, you’re done! Now just hit “View Details” and it will take you to the property profile. FYI: the property info page will default to “property info,” but you will have the option to toggle to a second column called “Roll Values.”
Our Placer County Web Designer likes to change things constantly (including links), so I apologize if any of the links above are broken (it is frustrating for us too). I do try to check this post frequently for broken links.
 
Updated 1/13/26.

 
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REALTORs Steve Ostrom + Heather Ostrom • (916) 308-2446 • Homes@RosevilleAndRocklin.com • Coldwell Banker Realty • 2200 Douglas Blvd Building B, Suite 200, Roseville, CA 95661 • CALBRE# 01344154 • 01899313

View Past Property Tax Bills in Placer County Read More »

Wooden deck with table, chairs at dusk.

Top Things to be Aware of as a Contingent Buyer

What to be aware of as a contingent buyer

pebble creek rocklin kitchen towards bkyd

Understanding the upfront fees – the appraisal fee will be an upfront fee. The inspections (depends on the area) are often steered by the buyer side with a few exceptions in Northern California for country properties where you sometimes see septic and water tests on the seller. A delay on coordinating any inspections once you’re in escrow (while being mindful of when your inspection period starts and your contingency of purchase form are critical here). If you do not need to start inspections because of the way the COP form (see above) is marked – be mindful of this …

  • Do not wait to order your appraisal or hold off inspections – your delay as a buyer can be self-sabotage and risk a seller issuing a “notice to perform” if you do not hold to your contractual obligation. There will only be so much your lender or agent can do to protect you, if an appraisal review runs late or an inspector can’t accommodate a last minute request, you might be fine and be granted an extension to your contingency period, or you might get a notice to perform and potentially be kicked out of contract.
  • Warning: Contractors and inspectors can be booked out for a week or two, particularly for specialty items, or any testing involved. Some may be free for a bid, but some may cost to you at a cost / fee. This is not the time to be cheap and pass over an inspection which can potentially save you from a costly mistake.
  • Fluid communication and updates between all parties (buyer + seller) we hear way too often, “Wow, you guys are so great at communication.” You MUST be a great communicator and play well with others to have a contingent sale go smoothly. If your agent is only nice to you and not others – some think this is a way to play “hard ball” for sales, but you just have someone has a horrible reputation in town. 
  • If you have a seller credit coming to you as a buyer – be sure to loop in the lender and title company ASAP as this can add a day or two for review (not always, but something you have to be aware of).

ALWAYS have a housing solution, plan B. Your home you’re purchasing may not close on time, and/or life can happen and a deal falls out of place –  be wise and try your best to secure your housing as a back-up plan (rental, staying with family/friends, etc). 

Seller Occupancy After Closing – this has to be negotiated up front during the counter phase and we always suggest a few weeks at least to try and mitigate any delayed closing on any side of the deal(s). It can happen, even on the most perfect of files monitored. There are numerous bodies behind the scenes on loan and this can affect your closing. Along with TRID – be aware of this as a buyer. TRID can delay you alone (see #3 above, last bullet).

  • Most lenders will not allow over 59 days of occupancy by seller after closing, and most buyers aren’t the biggest fans of much of anything past 29 days (if any at all)
  • Education and information is King/Queen. Know your options – we are not asking you to think negatively that it will fail, it’s just planning for all outcomes to the best of our ability.

Sometimes it’s best to take the credit and sometimes it’s important to wait to see request for repairs executed before close of escrow (COE). It depends on the scenario what’s the right route. 

  • If you’re concerned about findings when you open up the roof to do dry-rot or pest work (WDO) – sometimes it’s best to wait and get it done and delay closing and of COURSE this stinks to do, but it could save you thousands if more work that’s needed is uncovered when you open things up. 
  • If you have work being done, as part of your request for repairs – ensure there’s mention of all work being done BEFORE close of escrow.
  • Sometimes it’s best for buyer to take the money credit – to take control of overseeing repairs by their own trusted contractor that way they know who the work is being done by, and may be able to save cost.
  • Ensure that a licensed contractor is doing all work and receipts are provided before COE (close of escrow). There are some of the shenanigans that can occur, so don’t let anyone bully you.

Give us a call for your scenario and we can find out if we’re the right solution for your needs. If we’re not – we’ll get you connected to someone who is the right person for the job! 916-308-2446

Top Things to be Aware of as a Contingent Buyer Read More »

lockbox sacramento metrolist - don't steal my photo! ibox Ostroms

Seller Strategies: The Importance of Showing Instructions

Seller Strategies:
the Importance of Showing Instructions


This post was original created back in 2017, but has been revised in 2026. 

Those first two weeks your property is active on the real estate market / MLS – are important. It’s when the property is fresh to the market with more buzz and the largest pool of buyer eyes will be drawn to the property. You don’t always have the biggest window to capture the hearts of buyer’s to decide if this is the house to call “home.”
In today’s “seller strategy” session, we’re discussing positive ways to improve your pool of potential buyers – by ways of how your “home showing instruction”s are set-up on the MLS (Metrolist / Prospector – main hub for all real estate input in our area – Placer and Sacramento County). There are other ways of course, but this is what we’re tackling in this post.
If you don’t understand the pros and cons of home showing instructions when you’re active and on the market and getting ready to entertain buyer showings, be sure to ask your listing agent, or give us a call if you’re looking to interview a listing agent. Steve O and I, are both full time REALTORs®. There’s no other “side hustle” – we’re just REALTORs and primarily listing agents.
Some of the showing instructions in the video may have evolved, but many facts hold true, the easier the home is to see, the easier it is to sell.The more friction and challenges you create, to not allowing your home to be shown, can backfire on you and limit your “buyer-interested” audience. 

Some of options (but limited to) showing instruction options:
Vacant with Lockbox
Call 1st Lockbox
Appointment with the Owner
Call Listing Agent
Call Listing Office
Appointment with Tenant
(there are many more, but these are some of the common ones).

There is also a program called “ShowingTime” to assist both buyers and sellers with managing appointments to see the home, blocking off certain times from showings, etc. We can discuss the strategy of using that – yes, it is indeed a really great tool to use, but we do have some downsides that we can discuss in person.

 


Stay educated and always make smart choices – both in marketing, accessibility (and of course, which listing agents you choose). Short-term discomfort, can possible expand your opportunities to a larger bottom line at the closing. 

SAFETY REMINDER: Never allow someone who states they’re an agent, into your home – particularly if there’s no appointment set AND without using the Supra Blue iBox lockbox. That iBox (in the video above) – it tracks the date, time, agent’s name, phone number, company, and email. If you’re in our area and you’re not using the Supra Lockbox – iBox BT LE – you probably picked the wrong listing agent. From a safety standpoint for property access tracking and for showing follow-up, a contractor lockbox (as of 2026) does not do those items.

More about Metrolist MLS and Participants

Seller Strategies: The Importance of Showing Instructions Read More »

Smart Home in an Ostrom Home

This post needs to be updated * – thank you for your patience! 1/2026

Maybe you’re new to all the “smart-home” technology. Perhaps it scares or overwhelms you? Welcome to the club, the Ostroms are right there with you … We’re in California, and sometimes we see a few things sooner in seller homes than the rest of the country, but there’s a good chance your clients know more about smart-home technology, so let’s get you on a quick start on the Smart-Home highway.

Smart-home items are showing up in homes for sale. There’s a lot of information out there, so we’re going to do our best to lay down in a blog post (or  two) … also if you’re about to sell your home, start thinking of your “smart-home” exit plan. Fixtures or items attached to the hhome are assumed to state and there’s been changes in recent years about smart-home devices being included in the sale.

Pro-tip: before beginning in the adventure of “smart-home” makeoversand putting a ton of time and money into a system, be sure your internet is fast enough to handle the load and talk to friends so you can learn from their experiences.


We started out small and I am not sure I would even qualify it as smart home devices, but we started small with light bulbs – and we thoroughly enjoy having it.  Our kids loved their speaker lightbulb to play their music to – and it was very easy to get it up and running. Not all devices are easy to get set-up as advance warning and some might even have safety warnings for your network.

 


So after I got back from “CES” (Consumer Electronics Show) with the Coldwell Banker crew and my good buddy, Roy Powell – I came back to my home in Roseville, with a smart-home fire in my heart and was ready to make the plunge into learning more about Smart-Home tools and slowly start adding items to our home system.


We started out with Amazon’s Alexa (which we had bought for ourselves at Christmas – and we have her dialed in for connection to our twinkle lights in the backyard, to ensuring that the front door can be locked, but be aware, Alexa cannot unlock the door for safety reasons).

  • Pro-Tip with Alexa: “Go in the Amazon Alexa App” and play around. See what you can “sync” up with other devices so you can fully utilize all of the skills for maximum enjoyment. She can do SO much – I lurve her.
  • Pro-tip with Alexa: If you have Amazon Prime, have fun with the music,
  • Pro-tip with Alexa: With your iphone, if you want to just play your music on Alexa from your phone, go to “settings,” then to your “bluetooth,” and then select your Amazon component (in our case, it’s “Echo”)
  • Pro-tip with Alexa: Be sure to go into the app and play around the “Smart Home” option in the drop-down menu (see above) and “Skills” to really maximize the fun and usefulness of Alexa.

Our next piece we added was the “Ring” doorbell. Coming back in to revise and freshen up this post, doorbell cameras can be a contentious issue – so do thorough research for any and all cameras and doorbell systems.

Some questions that are good to consider:

  1. What are their monthly subscriptions costs
  2. Do the mutual cameras have any known connectivity issues
  3. Do you need to get any modifications to your internet coverage for all cameras to work? Extenders, connectivity limitations of cameras that make it not worth it, etc.
  4. How is the resolution during the day and night?
  5. Hard wire, battery pack, and solar -pros and cons of cameras
  6. Who can access this camera? IF your cameras are only outside, be aware there is speculation (only) about Ring cameras having third-party access* so if you have cameras in your house, things to think about … 
  7. Do you need a bridge to get things to work together? 
  8. Get on reddit or reviews to see the feedback on products and brands. I find the “best of the year” posts to be not fully trustworthy on feedback. 
  9. Location of cameras should determine their power source, particularly on two-story or high access points for outdoor cameras (don’t ask me why I know now – ha!)
  10. We loved ours when our kids were little (doorbell camera) and they had no phones – they would use it as a way to communicate with us since it’s a two-way microphone.

The next piece, is easily my favorite addition to the home, the Schlage Connect deadbolt (back to revise this post, not sure I would recommend it, but the battery life is solid, but their app is AWFUL), but the doorbell lock is my favorite still! We have three kids, our lives are busy, and we’re REALTORs, our lives are always at a fast pace. There are SO many options for keypad entry, but we went with the highest tier option with security in mind and it’s used in conjunction with a bridge (you gotta research this one, I don’t even know how to explain it). Be sure it’s fingerprint resistant if it’s a finger soft pad entry – that’s my only comment and I recommend having a back up key option (many don’t now and that stinks, IMO). It’s a good backup option in case the battery goes dead.

What’s really cool about the lock is that I have it paired with my Ring doorbell and it auto-locks if any movement is on the front porch and my kids forgot to lock a door (or husband). It’s so rad! It’s annoying though when you’re unloading groceries though I set it up through “routines” (which you can do on Alexa, most smart apps with these devices, or via IFFTT).

I do not recommend  “oil rubbed bronze look” for a lockhandle as it didn’t age well. 

  • Pro-tip: 1. Pay your trusted locksmith to help install or just kick down for the professional installation on this one. You want the auto-lock option moving smoothly and clean. Unless you’re a superhuman tech savvy person. If I wasn’t tech-savvy, I would have paid the Amazon technician to install. In our case, we had our locksmith install the key pad/deadbolt.
  • Pro-tip: 2. You’ll need to involve a locksmith if you buy online or if you know how to get the deadbolt keyed to your system.
  • Pro-tip: 3. Stay with the brand of keys you already have in the home (whether Kwikset or Schlage) – so to stay on the same system, work with what you have … or talk to a locksmith before kicking down the big bucks
  • Pro-tip: 4. The app is a bit rough … get a bridge piece that offers an app to house all your smart home pieces (see below)

Please always understand security or find a friend that gets it – it’s not worth it to have this in place as a security measure and it can be easily compromised whether from a network and bridge standpoint or using a third-party app that might not have the same security as door lock or camera system (products or apps). 

Our other product we love, but another awful app – our Honeywell smart thermostat. It was recommended to us and it’s great, but another rough functioning app (but better than Schlage).

Do know ALL the devices mentioned here – they’re all still going strong and still being used!

1/2026


If you have any questions – hit us up, or if I typed something inaccurate here – correct me. We’re all here to learn and succeed and we hope you enjoy our research here. I had to delete a lot of the links on here as they weren’t functioning, so this page may not be as useful until I do a deeper dive on recommended products.

Smart Home in an Ostrom Home Read More »

Best day of the week to list your home for sale

best day of the week to sell your home

Best Day of the Week to List Your Home for Sale

Steve + Heather Ostrom

on Realtor.com Seller Series

Life is all about timing, and it doesn’t change with real estate and listing your home. Each real estate market and area is different, but we have noticed there are definitely better days than others, to list your home. Granted sometimes life doesn’t always play by “ideal rules,” and ultimately, the seller is our boss, so we will always be awesome – no matter what day you’re able to list your home. But if we can have an ideal world, we have strong opinions for homes in Placer County, California to be listed …
Our why? Well, check our featured video on REALTOR.com “seller advice video” series. And don’t worry, I’m not quitting my day job for any karaoke work.  
 
Along with the three “hot” reasons why in this video, we also have another set of reasons. By default, the offer won’t expire till Monday, unless specifically set to expire before Friday evening. So it gives us a full weekend to be on the market. It’s always nice to have it exposed to the broadest audience, for the largest pool of the best buyers out there – while your home is still “fresh to the market.”
 
Plus, reality check, a lot of folks are on their email – even at work on Friday morning. We like that email showing up in folks’ email boxes Friday morning when they’re setting their schedules.Each home and neighborhood is unique – so let us know if you would like a detailed analysis on your home.

Best day of the week to list your home for sale Read More »

Podcast Ostrom Time with Marguerite Crespillo

So we have been good friends with the awesome Marguerite Crespillo for years, and she has a fabulous real estate podcast “Real Estate Real World.” Marguerite is a top-producing REALTOR and broker in our area, for years.

Marguerite is a wealth of knowledge and experience, she’s a real estate trainer and coach, and she loves to help others.
So, what did we cover in our real estate interview podcast? Well you’re going to need to listen in, and hear the scoop! We covered: marketing, in-town behavior philosophies, agent-to-agent interactions, our love of #OstromOrange, why you rarely see Steve O not in a suit, the issue of low inventory (Placer County), and finally … “best tips for any new real estate agents.”

I truly believe you’ll enjoy, you’ll be educated, and I’m certain you will be entertained, while learning. And we hope you take away a few Awesome Ostrom, RE Nerd Nuggets!

Quick background on Marguerite: She’s a real estate coach and trainer. On Marguerite’s real estate podcast, she has interviewed Hal Elrod, the awesome Sean Carpenter, Tamara Dorris, Bob Corcoran, and Ryan Lundquist (and many more). Since there’s no visual, you can still do work, walk, exercise, drive, and still listen in … I love podcasts!
I can’t thank Marguerite Crespillo of Realty First in Roseville, CA. Thank you for having us on your show.

So listen here – and give us your feedback! We would be honored to have you listen in. (you can listen on the link, and/or go through iTunes and subscribe to Marguerite’s channel). And as my awesome friend and CB trainer, Sean Carpenter always says to all – “Build Relationships, Solve Problems, and Have Fun!” 

Podcast Ostrom Time with Marguerite Crespillo Read More »

Ostroms Featured on Seller Tips Series for REALTOR.com

Recently we were honored with the opportunity to be part of REALTOR.com’s new “Seller Tips” Video Series under their “News + Advice” drop-down menu on the main site. (“Realtor.com” > “News & Advice” > “Advice” > “Sell”).

We always try to be forward and upfront in our thoughts, with the intent to help our sellers. So we hope you enjoy these videos, and feel free to share the links with friends, that might need some help.

We hope you’re educated on some topics for seller preparation and also that you’re entertained, in an Ostrom-sort-of-way. 

To all the sellers that already know how we are, and love us still – thank you for your support. We wouldn’t be here without you. If you’re new to knowing us, whether virtually or in-person and are looking for someone to list your home – know we’ll always be honest, to the point, and always have the mind-set of having you win in the world of home selling (and hopefully in terms of less time on market and higher-price point).

Thank you for watching and thank you for sharing our “seller conversations” – we have three listed below (with hopefully more to come). If we haven’t answered one of your seller questions – comment below – or call or email us.

Video One: Seller Advice – Awkward Seller Conversations

Video Two: Seller Advice –“Smells Don’t Sell”

Video Three: Seller Advice –“Three Things Tall REALTORs See, That You May Not …”

If this is your first time visiting our site – welcome … we’re REALTORs Steve and Heather Ostorm in Roseville, CA at Coldwell Banker Realty.

We primarily work with sellers and their listings, and move-up buyers. So we have had a lot of great learning experiences and opportunities to help our sellers. Sometimes it goes well, sometimes it doesn’t – but we’re always learning how to be better. But what we’re not is … we’re never afraid to tackle awkward conversations, if it means our seller having a better opportunity for a better experience with selling (and hopefully maximizing their bottom line, to the best of our ability – we want our sellers to win).

Ostroms Featured on Seller Tips Series for REALTOR.com Read More »

2016 Real Estate Market Predictions – Roseville + Rocklin, CA

This post and information below is from 2016 – please let us know if you would love a current real estate market update. If you’re looking in Placer County – this is an evergreen post that updates monthly and quarterly

First thing we need to do, is thank our friends and family for an amazing 2015. You are the reason we continue in this business. Thank you for your support and referrals. There’s no greater honor, than to be trusted with your business.

So on to the show … what you’re all waiting for …

2016 Real Estate Market Predictions – Roseville and Rocklin, California.

We quickly review 2015, real estate market patterns we observed, and items we experienced … (and if you are a buyer, be sure to ask what TRID – TILA-RESPA Integrated Disclosure is before you start your loan adventure – but that’s another blog post, by itself).

So … thank you for watching. We promise you’ll be entertained and educated … always.

If you would like to specifically know about your neighborhood and/or home, and current pricing for your home – give us a call or shoot us an email (info below). We’re happy to provide feedback, always.

2016 Real Estate Market Predictions – Roseville + Rocklin, CA Read More »