The Leber Family Photo by Trina Ornelas | February 2024
Designs That Tell Your Story Remodels • Full Furnishing • Project Management • Styling Services • Consulting
Follow us on Instagram ElizabethCStyle@gmail.com
@ElizabethCStyle
www.ElizabethCStyle.com
(916) 873-4586
Events THURSDAY, FEBRUARY 29TH | 6:00 PM
THURSDAY, MARCH 14TH | 6:00 PM
The Limelight Bar and Café
Crocker Art Museum
East Sac Chamber Poker Tournament 1014 Alhambra Blvd
ArtMix: Prom 216 O Street
SATURDAY, MARCH 2ND
FRIDAY, MARCH 15TH | 7:30 PM
300 Capitol Mall
Crest Theatre
Capitol Beer Fest 2024 373 N St
MONDAY, MARCH 4TH | 6:00 PM
Sac State Men’s Basketball vs Eastern Washington Sac State
6000 J Street
Mania: The ABBA Tribute 1013 K Street
SUNDAY, MARCH 17TH
St. Patrick’s Day
Sac Yard Community Tap House 1725 33rd Street
SUNDAY, MARCH 10 | 3:00 PM
SATURDAY, APRIL 20TH | 6:00 PM
Golden 1 Center
Greek Orthodox Church
Sacramento Kings vs. Houston Rockets 500 David J Stern Walk
Taste of East Sacramento 600 Alhambra Blvd
It was great to work with Elise. She was professional, competent, and friendly. She wasn't intimidated by the zillion variables created by our cross-country move. She worked diligently with our selling agent and broker to mitigate last minute details. She was always available, despite being in a different time zone, and hustled to accommodate our crazy timetable.We couldn't be happier with our home.Thank you, Elise! We sincerely appreciate all of your hard work. We highly recommend her! ~ Shar and Travis M.
4 | FEBRUARY 2024 East sac
Publisher’s Note
A
h, the enchanting month of February and the special day for Valentine’s. Perhaps for you and yours, love is in the air. But what is love? It’s a subtle magic, challenging to define, yet unmistakable when felt. Love takes various forms - toward a significant other, a cherished child, a dear friend or even a furry companion. Beyond the expected chocolates, the flowers, and the cards lies a gentle reminder, a token of genuine admiration. It need not be extravagant, but it certainly can be. As I gracefully age and, hopefully, gain wisdom, I’ve come to appreciate that the most precious gift is allowing love to flourish in our lives. This edition is a heartfelt dedication to my grandmother Joan, my mother Erin, my beloved wife Jenna, and my funny little valentine Claire, born on the eve of Valentine’s Day. I’m grateful for the lessons you’ve bestowed on what true love is!
Kyle Mickiewicz Kyle.Mickiewicz@LocalPrintMedia.com Publishing Director
Meet the Team East Sac Local
Kyle Mickiewicz
Bethany Mitchell
Michelle Campbell
Publishing Director
Publishing Assistant
kyle.mickiewicz@localprintmedia.com
admin@localprintmedia.com
Arden Park Publishing Director bethany.mitchell@localprintmedia.com
Melissa Strand
Trina Ornelas
Taylor Desmangles
Content Director
Photographer
Photographer
Krystal Creviston
Rex Mulholland
Caren Dioneo Boc
Editor
Creative Director
Layout & Graphics Design
Salina Godinez Land Park Publishing Director salina.godinez@localprintmedia.com
East sac FEBRUARY 2024 | 5
TABLE OF
CONTENTS
NOMINATE YOUR
NEIGHBORS 12
We are looking for more families, kids, athletes, pets, community events, favorite recipes, and other East Sac story ideas for our upcoming issues.
Meet Your Neighbors The Leber Family
Send in your recommendations to: melissa.strand@localprintmedia.com
19
WE ARE LOOKING FOR YOUR PARTICIPATION:
Recipe Strawberry Shortcake
• Resident Contributors • Resident Writers • Junior Writers • Photographers
20
Email us to learn more about how you can get involved in the newly improved East Sac magazine
Community Member Spotlight Jose Antonio Avina II
admin@localprintmedia.com
FOLLOW US ON
22
Business Spotlight Mercy McMahon Terrace
6 | FEBRUARY 2024 East sac
24
@eastsaclocal_magazine B Street Theatre
LIFE IS BETTER WHEN YOU HAVE A PLAN ■ Coverage you can customize to meet your needs ■ Get the most value for your coverage ■ More options, providing you more discounts
Kevin Guinn Your Local Agent CA License # 0F79092 555 UNIVERSITY AVE STE 236 SACRAMENTO, CA 95825 KGUINN@FARMERSAGENT.COM https://agents.farmers.com/kguinn
Call 916.453.2910 today! For Home, Auto, Life and Business. Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other affiliated insurance companies. Visit farmers.com for a complete listing of companies. Not all insurers are authorized to provide insurance in all states. Coverage is not available in all states.
CARING FOR YOUR TAXES SO YOU DON’T HAVE TO
EVERY MOMENT MATTERS.
creating a way to bring pause in the precious moments of life, though capturing the stillness or silliness of your family. Here's my invitation to, "pause in the presence of your family." One image, one family, and one story at a time. Sacramento area & beyond
trinamariestudios@gmail.com
916.919.6623
STRESS FREE TAXES with no surprises. mail@acw.tax (916) 498-8540
2001 H St. Sacramento, CA 95811
FOCUSING ON SMALL BUSINESS TAXES
BUSINESS PARTNER Attorney - Estate, Trusts, Wills
Law Offices of Colin T. Smith Colin Smith (916) 563-7140 colintsmithlaw.com
INDEX
Funeral Home
Real Estate - Residential
Nicoletti, Culjis & Herberger Funeral Home
Coldwell Banker Tim Comstock (916) 548-7102
(916) 451-7284
timcomstockrealestate.com
dignitymemorial.com
Bank
Insurance
El Dorado Savings Bank
Farmer’s Insurance
(916) 454-4800
Kevin Guinn (916) 453-2910
eldoradosavingsbank.com
agents.farmers.com/kguinn
norcalselfstorage.com
Custom Homebuilder & ADUs
Interior Designer
Senior Living Community
G.J. Gardner Homes
Elizabeth C Style
Mercy McMahon Terrace
(916) 269-8000
Elizabeth Comstock (916) 873-4586
(916) 733-6510
GJGardner.com
elizabethcstyle.com
Dentist
Landscaper
Swim School
East Sac Dental
Chris McKoy Landscape
Little Whale Swim School
(916) 452-7874
(916) 743-7868
(916) 790-5945
eastsacdentalcare.com
chrismckoylandscape.com
littlewhaleswim.com
Dentist
Mortgage Broker
Tap Room
Timothy E. Mickiewicz, D.D.S.
KMG
Sac Yard Community Tap House
(916) 469-9168
Ted Kappel (916) 416-5626
(916) 400-4708
drmickdds.com
kmgloan.com
www.sacyard.beer
Dog Food
Photographer
Tax Professional
Healthy Hounds
Ninth Flow Creative Photography
ACW Consulting
(916) 346-4416
(916) 803-3070
Aaron Welch (916) 498-8540
healthyhounds.com
justsaytay.com
acw.tax
Educational Consulting
Photographer
Down the Road Education
Trina Marie Studios
jessdurrett.com
(916) 919-6623
Fashion
The Closet Trading Company Sacramento
Real Estate - Residential
(916) 306-1407
Mike O’Connor (916) 801-8182
CB Norcal
theclosettradingco.com
Financial Planner
Real Estate - Residential
Northwestern Mutual
Coldwell Banker
Dom Leber (916) 648-6642
Elise Brown (916) 715-0213
dominicleber.com
weliveeastsac.com
Funeral Home
Real Estate - Residential
East Lawn
Coldwell Banker
(916) 732-2020
Rich Cazneaux (916) 212-4444
eastlawn.com
eastsac.com
8 | FEBRUARY 2024 East sac
Self Storage
McKINLEY SELF STORAGE
MERCY Mc MAHON TERRACE
McKinley Village Self Storage (916) 633-6508
mercymcmahonterrace.org
Tax Professional
CA Coast Tax Pros Ed Guanill (916) 565-7442 cacoast-taxpros.com
Yard Greetings
Sign Gypsies (916) 607-7137 signgypsies.com
WE BELIEVE IN ALL THINGS COMMUNITY. SACYARD SUPPORTS INDEPENDENT CRAFT BREWERS, WINE MAKERS, LIVE MUSIC AND CHARITABLE CAUSES IN A LARGE OPEN SPACE WHERE TWO LEGGED AND FOUR LEGGED FRIENDS GATHER.
FOLLOW US ON INSTAGRAM
DOMINIC LEBER
Wealth Management Advisor Leber Wealth Management and Insurance Services 916.648.6442 dominicleber.com
PLAN FOR TOMORROW, LIVE FOR TODAY.
(916) 400-4708 info@sacyard.beer | www.sacyard.beer
1725 33rd St, Sacramento, CA 95816
07-1012 © 2021 Dominic David Leber uses Leber Wealth Management and Insurance Services as a marketing name for doing business as representatives of Northwestern Mutual. Leber Wealth Management and Insurance Services is not a registered investment adviser, broker-dealer, insurance agency or federal savings bank. The Northwestern Mutual Life Insurance Company, Milwaukee, WI (Northwestern Mutual).
Tax Planning Is Not A Once-A-Year Event! Don’t wait until April 15 to create an efficient tax reduction plan. Call today and receive a complimentary Retirement income and Tax Strategy Analysis that will show you specific strategies to reduce taxes in retirement. We’ll show you how to create a marginal tax distribution strategy and determine if a Roth conversion will work for you.
CALL US TODAY FOR ALL OF YOUR TAX PLANNING NEEDS. • Tax Preparation • Roth IRA Conversion Strategies • Social Security Taxation Reduction • Tax Efficient Income Planning • Wealth Transfer Strategies
2023 Tax Prep & eFiling
$395
(916) 565-7442 | 1040@cacoast-taxpros.com www.CACoast-TaxPros.com
CA Coast Tax Pros is an affiliated company of Guanill Wealth Management and Guanill Insurance Services. Investment advisory services offered through Guanill Wealth Management, a CA Registered Investment Advisor, CRD# 281340. Insurance products offered through Guanill Insurance Services, CA LIC.# OK21056.
EXPERT
CONTRIBUTORS
TIM COMSTOCK Coldwell Banker Tim is a 5th generation Sacramentan who grew up on 38th street in East Sac. A realtor since 2010, Tim specializes in residential and investment property sales. With every transaction, and with each client, Tim prides himself on communication, integrity and focus.
ELIZABETH COMSTOCK Elizabeth C Style Interior Design Sacramento native Elizabeth Comstock is the founder of Elizabeth C. Style Interior Design. Elizabeth is a wife and mom of two young children. She passionately helps people create their dream home by blending various styles and design elements.
KEVIN GUINN Farmers Insurance Originally from Texas, Kevin settled in Sacramento after serving in the United States Marine Corps. In 2007, he joined Farmers Insurance as an insurance and financial services agent. He loves giving his clients peace of mind and helping them with their financial future.
ED GUANILL CA Coast Tax Pros Ed is a 25+ year veteran in the financial services industry. As an independent Financial Advisor and Fiduciary, Ed particularly enjoys educating his clients on avoiding critical mistakes in retirement and tax-efficient investment strategies. Ed and his wife, Erica, enjoy traveling, playing golf, and boating in San Diego.
MEGHAN BROCK The Closet Trading Company In addition to being a wife and mother of three young children, Meghan Brock is an entrepreneur, accomplished fashion industry professional and graduate of the Fashion Institute of Design & Marketing in Los Angeles. This fall, she opened her own fashion luxury resale franchise of The Closet Trading Company in Sacramento – the region’s first location.
LATRICE ROSS Mercy McMahon Terrace As the Sales/Marketing Director at Mercy McMahon Terrace, Latrice Ross is deeply devoted to enhancing the lives of seniors in our community. Committed to ensuring that our seniors age in comfort, her area of expertise lies in helping seniors and their families find the ideal Residential Care Facilities for the Elderly (RCFE) that fit their unique needs. She offers valuable resources and unwavering assistance to empower seniors as they navigate this crucial phase of life.
TED KAPPEL KMG Ted Kappel (past president of the East Sac Chamber) has been in the mortgage industry for 28 years. Ted learned his expertise over many years with Norwest Mortgage, Wells Fargo, and Vitek until he founded Kappel Mortgage Group, Inc (KMG) in 2004. Ted and his wife Jennifer Kappel chose the broker structure because it allows them to work with multiple banks for their clients’ best rates and programs.
DR. PAUL PHILLIPS East Sac Dental Since 1991, Dr. Paul Phillips has practiced dentistry in East Sacramento. He is joined by his wife, Dr. Suzanne Saidi, and associate Dr. Barry Dunn. The entire team at East Sac Dental is dedicated to creating a small-town dentist feel with a modern touch, embracing innovative technology and personalized wellness. 10 | FEBRUARY 2024 East sac
LISA RAYMAN GJ Gardner Lisa Rayman is the Franchise Owner for G.J. Gardner Homes and REALTOR® with Coldwell Banker Realty. Lisa brings years of experience to the table in all facets of the real estate industry, from resale to investment properties, to custom-built homes or ADUs. Lisa’s passion for helping others brings considerable value to her clients and helps fulfill their real estate dreams while exceeding expectations. A resident of Sacramento for over 20 years, she currently lives and works in East Sac with her family.
DR. PAUL PHILLIPS
DR. SUZANNE SAIDI
DR. BARRY DUNN
FRIENDLY MODERN GENERAL DENTISTRY 1273 32nd Street Sacramento, CA 95816 www.eastsacdentalcare.com (916) 452-7874
TAYLOR DESMANGLES
Photography and Social Media Management
Justsaytay.com | 916.803.3070
MEET YOUR NEIGHBORS
The Leber Family
by Melissa Strand
D
ominic and Chelsea Leber are fun and active community members with a deep love for East Sacramento. They have lived in East Sacramento for the past fifteen years,
and four years ago settled down in River Park with their kids, Delyse (9), and Vince (6). They love their street, which is full of energy and many friends for their kids to play with, which keeps them connected to the families in their neighborhood while they enjoy their beautiful tree lined street. They appreciate that their house has proximity and access to the river and allows for short bike rides to the park for the kid’s soccer and baseball games. They love hosting and entertaining friends and family at their house, which brings happy memories and joyful experiences, especially around Thanksgiving where you can count on their house for their traditional deep-fried turkey! They initially remodeled their house when they moved in to design a home that fit their family’s personality and are hoping to add a pool this spring to add endless fun and even more entertaining opportunities to splash around during the hot Sacramento summers.
12 | FEBRUARY 2024 East sac
Before settling in East Sacramento, Dominic grew up in Concord and Chelsea grew up in Granite Bay. They both attended college at Chico State University, which will always hold a special place in their hearts as they met through mutual friends while in school. After graduation, Dominic moved to Sacramento to start his own business and Chelsea moved back home to be close to her family. They have both always loved the charm of East Sacramento, so it was a natural choice for them to settle down and start and family in this beloved area. Dominic owns a wealth management business and was a member of the Active 2030 Club for 18 years and was a past president of this valuable organization which raises money and donates all the proceeds to local children’s charities. They have been fortunate to stay connected to their community and meet some great people in Sacramento through this organization. When he is not busy with work, Dominic loves to relax by playing golf and basketball and through working out. He is very involved in their kids’ sports and spends most of the year devoted
to page 16
to coaching their teams, which is incredibly admirable and fun. Chelsea is extremely active and is really into health and fitness. She loves working out at Insta Physique and playing tennis. She is a dedicated and loving mother and loves to spend time volunteering at their kid’s school to support their classrooms. Together they enjoy snowboarding, paddleboarding, playing cards, hanging out with friends, attending country concerts, date nights at Miyagi and Hook & Ladder, and cheering on their kids from the sidelines. Their children each have unique and special qualities and personalities, which their parents love and value. Delyse, their oldest child, is described as kind, empathetic, driven, and creative. She has a love for learning and reading and is happiest playing with her friends. She loves sports and plays softball, basketball, and soccer. Vince, their youngest child, is described as very driven, persistent, competitive, and silly. He loves to play with Legos, puzzles and play with his buddies. Vince also loves sports and plays soccer, basketball, flag football and baseball. The Lebers are a close, dedicated, and loving family, who
East sac FEBRUARY 2024 | 13
MEET YOUR NEIGHBORS THE LEBER FAMILY thrive on spending time together. They enjoy camping, playing uno, waterskiing and tubing at Folsom Lake during the summer, cheering on the Sacramento Kings, San Francisco Giants, San Francisco 49ers, and spending time outside with the neighbor families and kids. Dominic and Chelsea introduced their kids to snow skiing last winter, which they loved, and they are hoping conditions are perfect for several family ski trips to Tahoe this winter. They love to travel and some of their favorite spots are Mexico, Hawaii, Tahoe, and Twain Harte. They love to support local businesses near their house, including going out for family dinners at Cafe Bernardo, Sellands, East Sac Patio, Zocalo, and
14 | FEBRUARY 2024 East sac
having treats at Heavenly Yogurt. They are considering adding another member to their family when their hearts are ready, as they lost their sweet boxer, Demi, a few years ago and are considering fostering another boxer when the time is right. On a typical Saturday night, you’ll find the Lebers hanging out doing
their favorite pastime, which is relaxing on their front porch while catching up with neighbors while the kids play. It’s clear the Lebers are a loving and supportive family, with a deep love for their quintessential, perfectly charming, and active East Sacramento neighborhood.
East sac FEBRUARY 2024 | 15
50% Off
LET US HELP YOU TO ORGANIZE YOUR HOME IN THE NEW YEAR.
1st Two Months BASED ON UNIT AVAILABILITY
Call us about our 6 FREE Month Promotion (916) 303-2100
McKinleyVillageSS@gmail.com | www.McKinleyVillageSelfStorage.com
Mini Birthday Package *Starting @ $69
Mega # Package *Starting @ $79
Happy Retirement Board (1 option) *Starting @ $89
Mega Board Birthday Package (7 options) *Starting @ $89
Standard Happy Birthday Package (20+ options) *Starting @ $99
Anniversary Board *Starting @ $89
It's easy to celebrate with
SACRAMENTO Baby or Custom Greetings *Starting @ $99
Ready. Set. Celebrate! Text: 916.607.7137 sacramento@signgypsies.com @signgypsiessacramento
@sgsacramento
We're a local, custom yard greeting rental company. When you have a reason to celebrate, simply book online! We take care of the rest so you can relax and enjoy! Whatever you're ready to say next, do it with Sign Gypsies! *prices vary based on sign selection and delivery address
• Wills & Living Trusts • Estate Administration • Probate • Revisions/Updates to Existing Estate Plans
Effective and personal planning for your family, loved ones and neighbors for over 10 years
333 University Ave., Ste 200 Sacramento, CA 95825 www.colintsmithlaw.com (916) 563-7140
Schedule your complimentary appointment now to create your estate plan or update your existing estate plan.
A PLACE TO CALL HOME
3865 J Street, East Sacramento | RCFE #340312763
We offer around-the-clock nursing assistance with a focus on providing higher acuity care
The safety and comfort of your family members are of utmost importance to us. Visit www.mercymcmahonterrace.org to book a tour and witness the exceptional care we provide at Mercy McMahon Terrace.
Have you wanted to change your outdoor space but haven’t done anything about it yet? Don’t waste another day. Start planning your future yard today! LANDSCAPING • HARDSCAPING • LIGHTING CLEAN-UPS • SYNTHETIC GRASS
916-743-7868 chrismckoylandscape@yahoo.com chrismckoylandscape.com CA Lic: #917559
RECIPE
Strawberry Shortcake
Level: Intermediate Total: 1 hr 10 min Prep: 20 min Inactive: 30 min Cook: 20 min Yield: 6 servings
INGREDIENTS: • • • • • • • •
1 1/2 pounds strawberries, stemmed and quartered 5 tablespoons sugar 2 cups all-purpose flour 2 teaspoons baking powder 1/4 teaspoon baking soda 2 tablespoons sugar 3/4 teaspoon salt 1 1/2 cups heavy cream
DIRECTIONS: • • •
• •
WHIPPED CREAM: • • • •
1 1/2 cups heavy cream, chilled 3 tablespoons sugar 1 1/2 teaspoons vanilla extract 1 teaspoon freshly grated lemon zest
• •
Mix strawberries with 3 tablespoons sugar and refrigerate while juices develop, at least 30 minutes. Preheat the oven to 400 degrees F. Sift together the flour, baking powder, baking soda, remaining 2 tablespoons sugar, and salt in a medium bowl. Add heavy cream and mix until just combined. Place mixture in an ungreased 8-inch square pan and bake until golden, 18 to 20 minutes. Remove shortcake from pan and place on a rack to cool slightly. Cut into 6 pieces and split each piece in half horizontally. Spoon some of the strawberries with their juice onto each shortcake bottom. Top with a generous dollop of whipped cream and then the shortcake top. Spoon more strawberries over the top and serve. Whipped Cream: Using a mixer, beat the heavy cream, sugar, vanilla, and lemon zest until soft peaks form, about 1 1/2 to 2 minutes.
Recipe Courtesy of MARY NOLAN East sac FEBRUARY 2024 | 19
COMMUNITY MEMBER SPOTLIGHT
M
Jose Antonio Avina II
eet Jose Antonio Avina II, an incredibly involved Sacramento community member and
candidate running for mayor of our great city. Jose intends to build a future where everyone thrives, and shares, “Our city is a hub of innovation and inclusivity. I believe my fresh perspective and passion for community engagement make me the best candidate to represent our city. Inspired by our collective impact, I’m running for mayor to amplify our voices and shape a sustainable future for all.” Jose has always had a love for the Sacramento community, which started when he moved here from San Diego to pursue his bachelor’s degree in communication studies at Sacramento State in 2009. He lived in East Sacramento and fell in love with the city’s culture and potential during his time in college and was instantly drawn to our city’s vibrant and diverse community. He feels there are many things to love about our city but the thing he loves most is the city’s culture. Jose currently resides in Midtown, where he has immersed himself in the local community for the past seven years.
Jose is a Captain in the United States
produce clean energy with every workout.
Wilderness, paddle boarding at Sutter's
Marine Corps Reserve and feels it's one of the most fulfilling things he has done with his life. Jose joined the Marine Corps in 2007 and only intended to serve four years, but the Marine Corps sought to make him a "Mustang", a title given to enlisted Marines who earn a commission and become officers. Jose’s passion for fitness and sustainability fueled his creation of an eco-gym, Sacramento Eco Fitness, which is a community hub that sparked a dialogue about environmental stewardship and fitness. Before COVID-19’s impact, he was working towards creating a self-sustaining gym that harnesses human power to
As a small business owner, he looks for ways he can regularly give back to the community. He hosts the event “Fit for a Cause”, with a goal to support local charities by hosting Saturday morning bootcamp training classes for nominal donation fees. Since he is also passionate about soccer, he likes to volunteer his time with Cal Storm and Street Soccer USA as well. As a thriving member of the Sacramento community, Jose immerses himself in many of the great outdoor treasures our city has to offer. As an outdoor enthusiast, on most weekends you'll find Jose hiking in Desolation
Landing, floating down the American River, or enjoying yoga in the park and the various community activities held at McKinley Park. Jose has a rescue chiweenie, Coco, who is his best friend and goes on all his crazy adventures with him. He loves to grab a bite at many of the amazing Sacramento restaurants and will never pass up an opportunity to stop by Roxie's for some remarkable BBQ. An interesting fact about Jose is that he goes by the nickname “Tohui”, which means "male child", which came from his mom’s love of a nationwide zoo contest to name the first panda born in Mexico. She loved the name selected so
20 | FEBRUARY 2024 East sac
much she was determined to give that nickname to her first son, and it's a nickname Jose still goes by to this day. Jose’s inspiration comes from his family, friends, and community. He draws inspiration from their unwavering love and support, and their belief has fueled his determination to succeed and overcome challenges. Jose’s mission is to rejuvenate our city, and he pledges to implement strategic economic initiatives, prioritize public safety, and engage the community in a collective effort to restore prosperity, ensuring that every resident benefits from a revitalized and thriving urban environment. In the next five years he envisions a transformed city where small businesses flourish, innovation thrives, and our community is revitalized. Through targeted support for small business development and a commitment to revitalization efforts, he will work to create a cleaner, safer, and more prosperous environment. Additionally, he is passionate about addressing the growing concern of individuals experiencing homelessness and looks to improve access to shelter and government programs as a coordinated approach to assist the people of our community.
DOWN THE ROAD EDUCATION
Building Essential Skills for Future Success Academic services for students, support for families, and professional development for teachers and schools.
HEALTHY HOUNDS W H O L E S O M E
R E A L
F O O D
F O R
D O G S
At Healthy Hounds Kitchen, we share a love and passion for dogs and our mission is to make sure we provide a healthy, balanced diet for our canine family members. 3608 McKinley Blvd Sacramento, CA 95816 +1 916-346-4416
info@healthyhounds.com
East sac FEBRUARY 2024 | 21
BUSINESS SPOTLIGHT
Mercy McMahon Terrace
by Melissa Strand
M
ercy McMahon Terrace offers compassionate care for individuals in need of independent living, assisted living, or memory care. They provide seniors
with a nurturing place to age in peace with dignity and grace and are committed to providing a safe and welcoming environment.
22 | FEBRUARY 2024 East sac
Mercy McMahon Terrace is in East Sacramento directly across from Mercy General Hospital. Their offerings and facilities have transformed since first being established in 1987 to adapt to changing needs. They understood the need for safe, accessible housing for those unable to maintain their beloved homes, which ignited the drive to offer a deeper level of care to residents. Mercy McMahon Terrace’s biggest inspiration is to help transitioning seniors leaving their long-term homes and still be able to enjoy their golden years surrounded by their loved ones and cherished memories. Their distinction lies in providing compassionate care where they follow the Dignity Health mission, emphasizing human kindness, respect, excellent care, and compassion. The experienced, qualified, and caring staff at Mercy McMahon Terrace is dedicated to delivering the highest quality personalized care to meet each resident's unique needs, where they feel supported in every way possible. Latrice Ross, Sales & Marketing Director at Mercy McMahon Terrace, is deeply devoted to enhancing the lives of seniors in our community. She offers valuable resources and unwavering assistance to empower seniors as they navigate this crucial phase of life and is one of the many compassionate team members that make Mercy McMahon Terrace a positive and supportive environment.
Mercy McMahon Terrace stands out due to their personalized, comprehensive care approach, where they accommodate various care needs and provide a supportive, and enjoyable environment for managing health. Clients value the amenities and activities offered, as well as the frequent religious services held in their chapel, which will undergo renovations to provide a better community experience. If you are looking for an environment of trust, compassion, and an enriching experience for seniors and families, look no further. If you have any questions or would like to schedule a tour, please don't hesitate to contact Mercy McMahon Terrace, where they look forward to hearing from you!
Client Testimonials “When my mother could no longer live at home, we had to find a place for her that was full service assisted living including 24 hour nursing to provide the level of care she required and to manage her non-standard meds regimen. I am so grateful to have been referred to Mercy McMahon Terrace.” -Jim Reichmuth “Mercy McMahon took excellent care of my grandmother who really enjoyed living there. Excellent staff and wonderful grounds, also. I highly recommend them.” -Paul Marshall “My parents have been living at Mercy McMahon for over 3 years. The care has been top-notch, and they are very happy there. There are many activities daily and always something to do if you choose to participate. Mercy is very welcoming to the families of residents. I can't imagine them being anywhere else!” -Joel Frierson
(916) 733-6510 | mercymcmahonterrace.org 3865 J Street, Sacramento, CA 95816 East sac FEBRUARY 2024 | 23
B Street Theatre
“We are thrilled to launch our new season in January of 2024. Both the Mainstage and Family Series feature a record number of world premieres coupled with familiar titles like “What the Constitution Means to Me” and our own, unique adaptation of “A Christmas Carol.” We are excited to showcase three plays from our New Comedies Festival on the Mainstage. We strive to present hilarious, heartfelt, and proactive works that feature our Acting Company, Sacramento talents and artists from around the country.” LYNDSAY BURCH
CEO and Executive Director
24 | FEBRUARY 2024 East sac
For more than 25 years, B Street Theatre has been delighting audiences of all ages. Founded by actor Timothy Busfield in 1986 as Theatre for Children, Inc., the company’s first focus was a touring theatre company for children. The B Street Theatre School Tour (formerly known as Fantasy Theatre) was and continues to be extremely popular in the community— performing 12 times per week, 38 weeks a year. The School Tour has received critical acclaim by the media, educators and most importantly, the estimated 3.6 million California children (currently about 200,000 per year) who have attended performances. For many children, The B Street Theatre School Tour is their only exposure to live theatre.
In 1991, to broaden the success of B Street Theatre School Tour, Timothy Busfield and brother, Buck Busfield, created B Street Theatre. Most of the plays produced each year are world, national, West Coast or regional premieres. B Street Theatre has enjoyed stunning success since its inception, most notably growing its season subscription from 385 in 1996 to over 7,000 in the 2005-2006 season. B Street Theatre performs to approximately 70,000 adults annually. In 2002, the company embarked on a third endeavor to allow families to experience live, professional theatre together. The B Street Theatre Family Series produces a four-show season of
OPPORTUNITIES FOR INVOLVEMENT: School Tour For 30 years, the mission of B Street has been to provide entertainment to children while encouraging in them a love for the theatre and a specific appreciation for the art of playwriting. The School Tour reaches approximately 200,000 children in 12 counties in Northern California. Our School Tour offers opportunities to children to submit plays for our annual playwriting contest. A handful of plays are then selected to be performed by professional actors on two of our tours.
Workshops & Residencies B Street’s Teaching Artists go to schools and other organizations leading playwriting workshops, after-school theatre programs, storytelling and skills-building workshops for children and adults. Most of our playwriting workshops are core to B Street’s mission statement, which is to promote education and literacy, social interaction, and cultural enrichment.
Classes for Kids & Adults The B Street Conservatory provides classes in technique and scene study for adult actors discovering their unique talents. During the summer months, the program focuses on young people ages 8 – 17 with one-week and two-week camp sessions. Instructors are B Street regulars who hold MFA’s from American Conservatory Theatre of San Francisco or other top training programs in the U.S. and have regional and national acting credits.
2024 Season Link to shows- https://bstreettheatre.org/shows/ Mainstage - Rescue Me - A Christmas Carol Family Series - Prince of Lighting to Tis the Season
professional theatre presenting plays for school field trips during the week and the general public on weekends. In 2016, the company broke ground on Capitol Avenue to build The Sofia, Home of B Street! In 2018, B Street moved into their brand new, state-of-theart-complex: The Sofia Tsakopoulos Center for Performing Arts. On March 13, 2020, The Sofia: Home of B Street Theatre closed its doors due to the COVID-19 pandemic. For the next 18 months, B Street produced over 270 virtual events which served more than 2,000 households per week. These programs included: B Social, Dealer’s Choice, Re-Imagine, Six Feet Apart Concert Series, Maximum Occupancy Improv, Seekers of the Strange, New Play Brunch and Saturday Family Showtime. B Street’s virtual programs kept the artists and staff connected to their endlessly loyal audience. In July of 2021, The Sofia reopened with a handful of live concerts and proceeded to reopen their Mainstage Season in September of 2021. While The Sofia continues to face challenges related to the COVID 19 pandemic, the support provided by their board of directors, donors, subscribers, community leaders and government officials has made it possible for them to continue to provide high quality entertainment for the Sacramento region. After a successful return to regular programming in 2023, they are excited to welcome the community back to The Sofia in 2024 for what is sure to be their best year yet.
ARE YOU READY
TO PURCHASE
A HOME?
CALL TODAY to get STARTED! (916) 801-8182 mike.oconnor@cbnorcal.com www.cbnorcal.com 730 Alhambra Blvd Sacramento, CA 95816
MIKE O’CONNOR
Real Estate Agent CALDRE #01972804
©2023 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.
East sac FEBRUARY 2024 | 25
REAL ESTATE
Round Up
Based on information from MetroList Services, Inc. for the period 12/1/23 through 12/31/23. Address
List Price
1038 46th St
Sold Price
Bedrooms
Bathrooms
Square Feet
Status
$1,895,000
5
3
3473
Active
1636 47th St
$1,592,500
4
5
2815
Active
1000 43rd St
$1,164,000
3-4
2
1560
Active
1608 42nd St
$650,000
3
1
1625
Active
1341 39th St
$2,125,000
4
3
3046
Active
3707 Folsom Blvd
$559,000
2
2
1131
Active
1022 44th St
$2,575,000
4
4
3000
Pending
1000 47th St
$1,789,000
4
3
1727
Pending
1524 40th St
$1,100,000
3
2
1691
Pending
4236 G St
$819,900
2-3
1
1984
Pending
937 45th St
$1,595,000
$1,550,000
4
3
1286
SOLD
708 San Miguel Way
$995,000
$900,000
3
2
1164
SOLD
749 41st St
$1,525,000
$888,000
5
3
2550
SOLD
1408 48th St
$888,000
$875,000
4-5
2
3047
SOLD
This real estate information has been obtained by sources deemed reliable by Local Print Media. Agent did not participate in all of these sales. Please contact a local real estate agent for more information.
TIM’S TIP Because of heavy usage this time of year, I’d encourage a more active air filter replacement schedule once per month in Winter & Summer and then maybe dial it back to once per quarter Spring & Fall.
TIM (916)548-7102 COMSTOCK CALRE# 01879462 TimComstockRealEstate.com 26 | FEBRUARY 2024 East sac
Nicoletti, Culjis & Herberger Funeral Home 5401 Folsom Blvd Sacramento, CA 95819 • Lic FD355
916-451-7284
Visit our Website for more info: www.nicoletticuljisherbergerfunerals.com
munities f ur local com o u n m g i t m i e o s c l n f o a i c r o o ver 65 rl Serv years ing ou Serv
HOME EQU HOME EQUIT Y Line of Credit Line of Credit Loan 6.75% 6.75
@eastsaclocal_magazine
r local communities for over 65 y ing ou ears Serv
Initial APR
5RATE Year FIXED R 5 Year HOMEFIXED EQUIT Y CHECK THE EL DORADO Initial APR
r local communities for over 65 y ing ou ears Serv muniticeasl fcoormom mmuunnititcal cor rm comm veurn6i5ties for over ogovoveu l5o5 er r66 uur rlolocacal rlcvo g our loieiessfofo o o 65 ye n years i g g n n n y y i i i eeaarsrs ars Se SSeervrv Serv
HOME EQUITY HOME EQUIT Y Y HHOME OME EQUIT EQUIT HOME YY EQUIT 6.75 6.75
CHECKLine THE of EL Credit DORADO ADVANTAGE: Loan ✓ FIXED RATE for 5 Years Line of Credit Loan ✓ FIXED RATE for 5 Years ✓ Local Processing & Servicing Credit Loan ✓ Local Processing &of Servicing % Costs Line Line of ofLine Credit Credit Line Loan Loan Loanon Qualifying Tran ✓of No Closing %Credit ✓ No Closing Costs on Qualifying Transactions and Convenience Initial✓ APRFlexibility % Funds%Available for Current an ✓ Flexibility and % % ✓ Have Year FIXED RATE 55 Convenience Year FIXED RATE ✓ Have Funds Available for Current and Future Needs CHECK THE EL DORADO ADVANTAGE: ✓ Home Improvement, Debt Consolida CHECK THE EL DORADO ADVANTAGE: ✓ FIXED RATE for 5 Years 5 Year FIXED RATE ✓ Home55✓Improvement, Debt Consolidation, College Tuition (Pleas Year Year FIXED FIXED RATE RATE 5 Year FIXED RATE ✓ Interest May be Tax Deductible FIXED RATE for&5Servicing Years ✓ Local Processing CHECK THE EL DORADO CHECK CHECK THE EL ELbe DORADO DORADO CHECK ADVANTAGE: ADVANTAGE: THE ELADVANTAGE: DORADO ADVANTAGE: ✓ No Closing Costs on Transactions ✓ Interest May Tax Deductible (Please consult your tax advisor) ✓ THE Local Processing & Qualifying Servicing ✓ Flexibility and for Convenience FIXED RATE 5 Years
6.75 6.75 6.75 6.75 Initial APR
Initial InitialAPR APR
Initial APR
Initial APR
✓✓FIXED FIXEDRATE RATE for forClosing 55Years Years Costs ✓ FIXED RATE for 5 Years ✓ No on for Qualifying Transactions ✓ Have Funds Available Current & and Future Needs Local Processing & Servicing ✓✓Local LocalProcessing Processing &&Servicing Servicing ✓Convenience Local Processing Servicing ✓ Flexibility and ✓ Home Improvement, Debt Consolidation, College Tuition No Closing Costs on Qualifying ✓✓No NoClosing ClosingCosts Costs on on Qualifying Qualifying ✓ No Transactions Transactions Closing CostsTransactions on Qualifying Transactions ✓ Have Funds Available for Current andyour Future Needs ✓ Interest May beConvenience Tax Deductible (Please consult tax advisor) ✓ Flexibility and ✓✓Flexibility Flexibilityand Convenience Convenience✓ Flexibility and Convenience ✓and Home Debt Consolidation, College Tuition ✓ HaveImprovement, Funds Available for Current andfor Future Needs ✓✓Have HaveFunds Funds Available Available for forCurrent Current ✓ Have and and Funds Future Future Available Needs Needs Current and Future Needs ✓ Home Improvement, Debt Consolidation, College Tuition ✓ Interest May be Tax Deductible (Please consult your tax advisor) ✓✓Home HomeImprovement, Improvement,Debt DebtConsolidation, Consolidation, ✓ Home Improvement, College CollegeTuition Tuition Debt Consolidation, College Tuition ✓beInterest May✓beInterest Tax Deductible (Please consult your (Please tax advisor) ✓✓Interest InterestMay Maybe Tax TaxDeductible Deductible (Please (Please consult consult Mayyour be yourtax Tax taxadvisor) advisor) Deductible consult your tax advisor) Serving our local communitie
Serving our local communities for over 65 years Serving our local communities for over 65 years www.eldoradosavingsbank.com www.eldoradosavings Serving our 800-874-9779 local communities forcommunities over years Serving our local communities for 65 over 65 Serving Servingour ourlocal local communities communities for Serving for over over 65 our 65years years local foryears over 65 years www.eldoradosavingsbank.com 800-874-9779 www.eldoradosavingsbank.com NMLSR ID 479256 www.eldoradosavingsbank.com www.eldoradosavingsbank.com www.eldoradosavingsbank.com www.eldoradosavingsbank.com 800-874-9779 800-874-9779 800-874-9779 Se Habla Espanol 800-874-9779 800-874-9779 NMLSR ID 479256 NMLSR ID 479256 NMLSR ID 479256
GRASS VALLEY • 1751 East Main Street • 530-272-6671 SACRAMENTO • 4768 J Street • 916-454-4800 LAKE OF THE PINES • 10130 Woodridge Drive • 530-268-1200 SACRAMENTO • 5500 Folsom Blvd. • 916-452-2613 EL DORADO HILLS • 3963 Park Drive • 916-933-3002 CARMICHAEL • 4701 Manzanita Ave. • 916-481-0664 RANCHO MURIETA • 7185 Murieta Dr., Suite 100 • 916-354-2661 W. PLACERVILLE • Placerville Dr. & Ray Lawyer • 530-626-3400 DIAMOND SPRINGS • 694 Pleasant Valley Road • 530-626-5701 ELK GROVE • 9003 Elk Grove Blvd. • 916-685-3936 NMLSR ID 479256 GRASS VALLEY • 1751 MainTrail Street • 530-272-6671 SACRAMENTO • 4768 J Street • 916-454-4800 GRASS GRASS VALLEY VALLEY 1751 • 1751 EastMain Main Street Street • 530-272-6671 530-272-6671 GRASS VALLEY • 1751 East Main Street • 530-272-6671 SACRAMENTO SACRAMENTO• 4768 • 4768J Street JCITRUS Street • 916-454-4800 •HEIGHTS 916-454-4800 SACRAMENTO ••4768 J East Street • 916-454-4800 POLLOCK PINES • 6462 PonyEast Express • 530-644-2363 • 7895 Lichen Drive • 916-729-1100 LAKE OF THE PINES • 10130•LAKE Woodridge Drive SACRAMENTO Blvd. •THE 916-452-2613 PLACERVILLE • (Downtown) 247 Main • 530-622-0833 FOLSOM • 300• •4768 E.5500 Bidwell Street • OF 916-983-3600 LAKE LAKE OF THE PINES PINES • 10130 •Folsom 10130 Woodridge Woodridge Drive Drive • 530-268-1200 • 530-268-1200 OFEast THE PINES• 530-268-1200 • 10130• 530-272-6671 Woodridge Drive • 530-268-1200 SACRAMENTO SACRAMENTO• 5500 • 5500Folsom Folsom Blvd. Blvd. • 916-452-2613 • 916-452-2613 SACRAMENTO • 5500 Blvd. •GRASS 916-452-2613 VALLEY 1751 Main Street SACRAMENTO JFolsom Street 916-454-4800 ELDrive HILLS • 3963 Park Drive • 916-933-3002 CARMICHAEL • 4701 Manzanita Ave. •DORADO 916-481-0664 PLACERVILLE • 4040 El Dorado Road • 530-622-1492 SHELDON ••8973 Grant LineCARMICHAEL Road 916-686-0200 EL• EL DORADO HILLS HILLS • 3963 • 3963Park Park Drive • 916-933-3002 •THE 916-933-3002 EL DORADO HILLS •Drive 3963 Park Drive • 916-933-3002 CARMICHAEL CARMICHAEL• 4701 • 4701Manzanita Manzanita Ave. Ave. • 916-481-0664 • 916-481-0664 • 4701 Manzanita Ave. •DORADO 916-481-0664 LAKE OF PINES • 10130 Woodridge • 530-268-1200 SACRAMENTO 5500 Folsom Blvd. • 916-452-2613 W. & Ray Lawyer••Placerville 530-626-3400 RANCHO MURIETA • 7185 Murieta Dr., Suite 100 • 916-354-2661 W.W. PLACERVILLE PLACERVILLE Placerville • Placerville Dr. &PLACERVILLE Ray & RayLawyer Lawyer • •530-626-3400 •Placerville 530-626-3400 W.Dr.PLACERVILLE Dr. & Ray Lawyer • 530-626-3400 RANCHO RANCHOMURIETA MURIETA• 7185 • 7185 RANCHO MURIETA •• 7185 Murieta Murieta Dr.,Dr., Suite Suite 100 • 916-354-2661 • 916-354-2661 MurietaDr. Dr., Suite 100 •DORADO 916-354-2661 The initial Annual Percentage Rate (APR) is currently 6.75% for a new Home Equity Line of Credit (HELOC), and isPark fixed Drive the first ELSPRINGS • 3963 • 916-933-3002 CARMICHAEL • 100 4701 Manzanita Ave. 916-481-0664 DIAMOND •and 694HILLS Pleasant Road •for530-626-5701 ELK GROVE • 9003 Elk Grove Blvd. • •916-685-3936 DIAMOND SPRINGS SPRINGS • 694 • Grove 694 Pleasant Pleasant Valley Valley Road Road • 530-626-5701 DIAMOND SPRINGS •an694Index Pleasant Valley Roadis•called 530-626-5701 ELK ELK GROVE GROVEPercentage • 9003 • 9003ElkElkGrove Blvd. Blvd. • 916-685-3936 •loan ELK • 9003 Elk Blvd. • 916-685-3936 5Grove years of the which is called theDIAMOND draw period. After theEquity initial 5 Line year period, the APR can• 530-626-5701 change once based onthe the value5 ofyears The initial Annual Rate (APR) is916-685-3936 currently 6.75% for aGROVE new Home of Credit (HELOC), is fixed forValley first of the loan which the draw W. PLACERVILLE • Placerville Dr. & Ray Lawyer • 530-626-3400 RANCHO MURIETA • 7185 Murieta Dr., Suite 100 • 916-354-2661 POLLOCK PINES • 6462 Pony Express Trail • 530-644-2363 CITRUS HEIGHTS • 7895 Lichen Drive • 916-729-1100 and Margin. The Index is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of 10 years and the margin is POLLOCK POLLOCK PINES PINES •value 6462 • 6462 Pony Express Trail Trail • 530-644-2363 • 530-644-2363 POLLOCK PINES • average 6462 Ponyyield Express TrailTreasury • 530-644-2363 CITRUS CITRUS HEIGHTS • year 7895Lichen LichenDrive Drive •APR 916-729-1100 • 916-729-1100 CITRUS HEIGHTS Lichen Drive • and 916-729-1100 period. AfterHEIGHTS the initial• 57895 period, thecurrent can for change once based the• 7895 ofPony anExpress Index Margin. Thetime Index is the weekly on U.S. Securities 3.50%. The the repayment period ison7.75%. The maximum APR that can apply any during your is 15%. A • 530-626-5701 PLACERVILLE • (Downtown) 247Pleasant MainHELOC • 530-622-0833 FOLSOM • APR 300Elk E. Bidwell Street • •916-983-3600 DIAMOND SPRINGS • $200,000, 694 Valley Road ELK GROVE • 9003 Grove Blvd. 916-685-3936 PLACERVILLE PLACERVILLE (Downtown) • (Downtown) 247 Main Main • 530-622-0833 • 530-622-0833 PLACERVILLE • (Downtown) 247can Main • 530-622-0833 FOLSOM • 300 • 300E. maturity Bidwell E. Bidwell Street •years 916-983-3600 • 916-983-3600 FOLSOM • 300current Bidwell Street •247 916-983-3600 qualifying transaction consists of the following conditions: (1)E.• the initial APR assumes a maximum HELOC of andmaximum a total maximum adjustedFOLSOM to a constant ofStreet 10 and the margin is 3.50%. The APR for the repayment period is 7.75%. The APR that apply any time during PLACERVILLE • 4040 El•Dorado Road • 530-622-1492 SHELDON • of8973 Line Road • 916-686-0200 Loan-to-Value (LTV) 70%Grant including theSHELDON new HELOC and any existing 1stRoad Deed of916-686-0200 Trust• 530-622-1492 onPINES your residence; (2)Pony your residence securing PLACERVILLE PLACERVILLE • 4040 • 4040 El ElDorado Dorado Road Road • 530-622-1492 •of4040 El Dorado • 530-622-1492 SHELDON SHELDON • 8973 • 8973 Grant GrantLine Line Road Road• 916-686-0200 • 916-686-0200 •conditions: 8973 Grant Line •POLLOCK 6462PLACERVILLE Express Trail • 530-644-2363 CITRUS HEIGHTS • 7895 Lichen Drive • 916-729-1100 your HELOC is 15%. A qualifying transaction consists of the following (1) the initial APRloan assumes a maximum HELOC $200,000, andRoad a total maximum Loan-
NMLSR IDNMLSR 479256 NMLSR ID 479256 ID 479256
800-874-9779 GRASS VALLE SACRAMENTO • 4768 J Street • 916-454-4800 LAKE OF THE PIN 5500 Folsom Blvd. GRASS•VALLEY • 1751 East• 916-452-2613 Main Street • 530-272-6671 SACRAMENTO • 4768 J Street • 916-454-4800 SACRAMENTO EL DORADO 4701PINES Manzanita Ave.Woodridge • 916-481-0664 LAKE OF• THE • 10130 Drive • 530-268-1200 SACRAMENTO • 5500 Folsom Blvd. • 916-452-2613CARMICHAEL W. PLACERVILLE RANCHO MURIETA • 7185 Murieta SuitePark 100 •Drive 916-354-2661 EL DORADO HILLSDr., • 3963 • 916-933-3002 CARMICHAEL • 4701 Manzanita Ave. • 916-481-0664 DIAMOND SPRIN ELK GROVE • 9003 Elk Grove Blvd. •Dr. 916-685-3936 W. PLACERVILLE • Placerville & Ray Lawyer • 530-626-3400 RANCHO MURIETA • 7185 Murieta Dr., Suite 100 • 916-354-2661 The initial Percentage Rate (APR) is 6.75% for a(APR) new Home Equity offor Credit (HELOC), and isLine fixed the first •must PLACERVILLE •ayour (Downtown) 247 Main •Drive 530-622-0833 FOLSOM •iscurrently 300 E. Blvd. Bidwell Street •Annual 916-983-3600 to-Value (LTV) of Percentage 70% including the new HELOC and any 1stcurrently Deed ofthe Trust loan on residence; (2)for residence securing the HELOC a single-family POLLOCK PIN TheThe initial initial Annual Annual Rate Rate (APR) (APR) isAnnual currently 6.75% 6.75% for The for aexisting new ainitial newHome Home Equity Percentage EquityLine Line ofRate of Credit Credit (HELOC), (HELOC), isyour currently and andis6.75% isLine fixed fixed the the new first Home Equity of for Credit (HELOC), and be is fixed for the first CITRUS HEIGHTS •firstonce 7895 Lichen 916-729-1100 DIAMOND SPRINGS •value 694 Pleasant Valley Road • 530-626-5701 ELK GROVE •Percentage 9003 Elk Grove •5years 916-685-3936 5 the years of the loanAfter which called the draw After initial 5 year period, the APR can change basedtheonAPR the can of an Index 5 years 5 years of of the the loan loan which which isasis called called the draw draw period. period. After theisthe initial initial 5 the year 5Road year ofperiod, the period, loan the the which APR APR can isloan can called change change the once draw once based period. based onAfter on the the the value value initial of of an 5El•an year Index Index period, change once based on theexceed value of$300,000, an Index PLACERVILLE 4040 ElofSavings Dorado Road •margin 530-622-1492 SHELDON •The 8973 Grant Line •period. 916-686-0200 home that you occupy your primary residence; (3) if 1st Deed of Trust is with a lender other than Dorado Bank, that loan may not and Margin. Index is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity 10 years and the is andand Margin. Margin. TheThe Index Index is is thethe weekly average average yield yield onon U.S. U.S. Treasury Treasury andSecurities Margin. The adjusted adjusted Index to is to atheconstant a weekly constant maturity average maturity ofyield of 1010 on years years U.S.and and thethe margin margin Securities is is adjusted to a constant maturity of 10 years and the margin is PLACERVILL FOLSOM •Treasury 300 E.restrictions Bidwell Street • 916-983-3600 POLLOCK PINES •canHELOC 6462 Pony Express Trail • 530-644-2363 CITRUS HEIGHTS •weekly 7895 Lichen Drive •Securities 916-729-1100 3.50%. The current for the3.50%. repayment period isthatcan 7.75%. Therepayment APR that canHELOC apply time your 15%. have a total maximum loan-to-value (LTV) ofis APR 65% and may not a revolving line ofmaximum credit. Additional property and requirements All loans subject 3.50%. 3.50%. TheThecurrent current APR APRfor forthethe repayment repayment period period is7.75%. 7.75%. The The maximum maximum The be current APR APR that APR can forapply the apply any any time timeduring period during your isyour 7.75%. HELOC The is isany 15%. maximum 15%. A Aduring APR that apply isany timeA apply. during your HELOCare is 15%. A qualifying transaction consists of the following conditions: (1) the initial APR assumes a maximum HELOC of $200,000, and a total maximum The initial Annual Percentage Rate (APR) is currently 6.75% for a new Home Equity Line of Credit (HELOC), and is fixed for the first transaction transaction consists consists of thethe following following conditions: conditions: (1)(1) thethe initial qualifying initial APR APR transaction assumes assumes a consists maximum a maximum ofbe HELOC therequired. HELOC following of of $200,000, $200,000, conditions: and and (1) a total aterms total initial maximum maximum APRconditions assumes a maximum HELOC of $200,000, and a total maximum toqualifying aqualifying current appraisal. Property insurance isStreet required flood insurance may Rates, APR, and are subject to change without notice. Other Loan-to-Value (LTV) ofand including the new HELOC and any Deed Trust loan on your residence; your residence 570% years of the loan which is70% called the draw period. After the initial year period, the APR can once based on the value of 247 an SHELDON •isthewith 8973 Grant Line •offee916-686-0200 PLACERVILLE •loan (Downtown) Main • 530-622-0833PLACERVILL FOLSOM • of300 E.ofincluding Bidwell •and 916-983-3600 Loan-to-Value Loan-to-Value (LTV) (LTV) of 70% including thethe new new HELOC HELOC and anyany existing Loan-to-Value existing 1st1st Deed Deed (LTV) of of Trust ofTrust 70% loan loan including onexisting on your your residence; the51st residence; new HELOC (2)of(2) your your and residence any residence existing securing securing 1stchange Deed of(2) Trust loan onRoad yoursecuring residence; (2) yourIndex residence securing theclosure HELOC must be a single-family home you occupy your primary (3) the Deed of Trust with a lender conditions apply. early fee be assessed if thethat line of credit closed within three years from date of opening. An1st annual of margin $85 be assessed thethe HELOC HELOC must must beAbe a$525 single-family a single-family home home that that youwill you occupy as as your the your primary HELOC primary residence; must residence; beon a(3) single-family (3) if as the ifisTreasury the 1st1st home Deed Deed that ofresidence; of Trust you Trust occupy loan loan isifas with your primary a the lender residence; (3) of ifis the Deed Trust loanwill isiswith a lender and Margin. The Index isoccupy the weekly average yield U.S. Securities adjusted toa1st alender constant maturity 10 years and the other than Elloan Dorado Savings Bank, that El loan may not exceed $300,000, have (LTV) a (LTV) total maximum loan-to-value of 65% andloan-to-value other than than Elanniversary El Dorado Dorado Savings Savings Bank, Bank, that that loan may may not not exceed exceed other $300,000, than have Dorado have athe total aistotal Savings maximum maximum Bank, that loan-to-value loan notPLACERVILLE ofof exceed of 65% 65% and $300,000, and may may have a(LTV) totalduring maximum (LTV) of A65%Notice” and• may 3.50%. The current APR for the repayment period 7.75%. Theloan-to-value maximum APR that apply anyHome time your 15%.Road onother the first of the and annually during draw period. Ask for amay copy our “Fixed Rate Line ofHELOC Credit isDisclosure for 4040 Elandmay Dorado 530-622-1492 SHELDON • 8973 Grant Line Road •$300,000, 916-686-0200 notHELOC be a revolving line ofthereafter credit. property restrictions and requirements Allcan loans subject to •aEquity current appraisal. notnotbebea arevolving revolvingline lineof ofcredit. credit. Additional Additional property property restrictions restrictions notfollowing and beAdditional and arequirements revolving requirements line apply. apply. of(1)All credit. Allloans loans Additional areare subject subject property to toaapply. restrictions acurrent current appraisal. appraisal. and are requirements All loans area subject to a current appraisal. qualifying transaction consists of the conditions: the initial APR assumes a maximum HELOC ofapply. $200,000, total maximum the HELOC must be a single-family home that you occupy as your primary residence; (3) if the 1st Deed of Trust loan is with a lender other than El Dorado Savings Bank, that loan may not exceed $300,000, have a total maximum loan-to-value (LTV) of 65% and may not be a revolving line of credit. Additional property restrictions and requirements apply. All loans are subject to a current appraisal. Property insurance is required and flood insurance may be required. Rates, APR, terms and conditions are subject to change without notice. Other conditions apply. A $525 early closure fee will be assessed if the line of credit is closed within three years from the date of opening. An annual fee of $85 will be assessed on the first anniversary of the HELOC and annually thereafter during the draw period. Ask for a copy of our “Fixed Rate Home Equity Line of Credit Disclosure Notice” for additional important information. Other HELOC loans are available under different terms.
Property insurance ismay required and flood insurance may beand required. Rates, APR, terms andrequired. conditions are subject to change without notice. The initial Annual Percentage Rate (APR) currently 6.75% additional important information. Other HELOC loans are available under different Property Property insurance insurance is is required required andand flood flood insurance insurance may bebe required. required. Property Rates, Rates, insurance APR, APR, terms terms is required and conditions conditions andterms. flood areare insurance subject subject to may to change change be without without notice. Rates, notice. APR, terms and conditions are is subject to change without notice. for a new Home Equity Other conditions apply. A including $525ifearly closure will assessed if three theexisting line offrom credit closed within years from date ofwithin opening. annual (LTV) 70% the HELOC and any 1st Deed Trust loan oncredit yourthe (2) your residence securing Other Other conditions conditions apply. apply. A Loan-to-Value $525 A $525 early early closure closure feefee willof will be be assessed assessed the ifOther the line line conditions of new credit of fee credit is apply. closed isbeclosed Awithin $525 within three early closure years years fee from the willisthe date be date assessed ofof opening. of opening. ifthree the An line An annual annual of is residence; closed threeAn years from the date of opening. An annual
5ontheyears of the loan which is1st called draw After the 5 year feefirst of $85 willbebeofaassessed on the first anniversary of the HELOC and annually draw Ask for a during copy ofthe ourdraw “Fixed Rate theonHELOC must home that occupy as your primary (3) ifperiod. the Deed ofthe Trust loan isperiod. with lender $85 of $85 willwill bebe assessed assessed on thethe first anniversary anniversary the ofsingle-family the HELOC HELOC and fee and annually ofannually $85 will thereafter thereafter beyou assessed during during the draw first draw period. anniversary period. Ask Ask for offor aresidence; the copy aduring copy HELOC of our oftheour and “Fixed “Fixed annually Rate Ratethereafter period. Ask for aacopy of our “Fixed The initialfeefeeofAnnual Percentage Rate is currently 6.75% for athereafter new Home Equity Line of Credit (HELOC), andRateinitial is fixed for period, the firstthe AP Home Equity of(APR) Credit Disclosure Notice” for additional important information. Other HELOC loans are under differentloans terms. Home Home Equity Equity Line Line of Credit of Credit Disclosure Disclosure Notice” forLine for additional additional important important Home information. information. Equityloan Line Other Other ofmay HELOC Credit HELOC Disclosure loans loans are are available Notice” available forunder additional under different different important terms. information. Other HELOC are available underand different other than ElNotice” Dorado Savings Bank, that not exceed $300,000, have aterms. total maximum loan-to-value (LTV) of 65% and Margin. The Index isavailable theAPR weekly average yield onmayterms. U.S.onTreasury Securities adjusted 5 years of the loan which called the draw initial 5 year period, change once based the value of an Index not be isa revolving line of credit.period. AdditionalAfter propertythe restrictions and requirements apply.the All loans arecan subject to a current appraisal. 3.50%. The current APR for the repayment period is 7.75%. The maximum APR Property insurance is required and flood insurance may be required. Rates, APR, terms and conditions are subject to change without notice. and Margin. The IndexOther is conditions the weekly average yield on U.S. Treasury Securities adjusted to from a constant maturity of 10 years and the margin is that apply. A $525 early closure fee will be assessed if the line of credit is closed within three years the date of opening. An annual qualifying transaction consists ofcan the following conditions: (1)your the initial APR assumes East 2024 3.50%. The current APR forwillthe repayment Theannually maximum APR apply anyofFEBRUARY time HELOC is 27 15%. A am fee of $85 be assessed on the firstperiod anniversaryisof 7.75%. the HELOC and thereafter during thethat draw period. Ask for sac a copy our “Fixedduring Rate Loan-to-Value (LTV) of 70% including the new HELOC and any existing 1st Deed Home Equity Line of Credit Disclosure Notice” for additional information. Otherassumes HELOC loans aaremaximum available under HELOC different terms. qualifying transaction consists of the following conditions: (1)important the initial APR of $200,000, and a total maximumof Trust the HELOC must be a single-family home that you occupy as your primary residence; ( Loan-to-Value (LTV) of 70% including the new HELOC and any existing 1st Deed of Trust loan on your residence; (2) your residence securing other than El Dorado Savings Bank, that loan may not exceed $300,000, have a tot
|