HomeSeller: Friday, June 10, 2022

Week of June 10, 2022 DailyRepublic.com

Serving S Se i gS Solano l C County t

Open House Sunday 1-4PM 4570 McCready Court, Green Valley Highlands

707.864.6101

See inside for home details.

2 Friday, June 10, 2022 — DAILY REPUBLIC

ALL THINGS REAL ESTATE

With no HOA board in place you’ll have to sue neighbor to enforce CC&Rs Q: I moved to town last year and started reading your columns the first week I was here. Now I need your advice.

I bought a home in a 20-yearold subdivision. We have a thick set of CC&Rs that, among other things, prohibit people from parking recreational trailers in front of their house and from parking anything on their grass. About a month ago some renters moved in across the street. They have a really big fifth-wheel trailer they half park on the driveway and half across the grass. The big old truck they haul it with is kept parked on the street in front of the house, another violation of the CC&Rs.

Tim Jones I’m sick of even having to look across the street. I abide by the rules and it’s only fair that I can expect others to do so, too. So I talked to my neighbors and we decided to take it to our homeowners board of directors. After spending weeks trying to figure out how to do that, we finally realized we don’t have a board of directors. In fact, it appears there hasn’t been a homeowners

association meeting for years, let alone an election. So we don’t know what to do now. Can the police enforce the CC&Rs? What do we do?

A: As surprising as this may sound, this is not the first time I’ve run across subdivisions which technically have a homeowners association but no existing board of directors.

When the builder built your subdivision and put the CC&Rs into place, the builder himself acted as the board of directors.

Then, as houses were sold, the association’s bylaws required more homeowners to be elected See Jones, Page 9

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DAILY REPUBLIC — Friday, June 10, 2022 3

Should you consider an adjustable-rate mortgage?

W

THE WASHINGTON POST

ith mortgage rates spiking in recent weeks to levels not seen for more than a decade, home loan borrowers are considering their options for financing.

Approximately 11% of mortgage applications were for adjustablerate mortgages (ARMs) in the first week of May, according to the Mortgage Bankers Association – nearly double the share of ARM applications three months ago, when mortgage rates were lower.

We asked three mortgage lenders for advice about ARMs: Brian Koss, executive vice president of Mortgage Network in Danvers, Mass.; Tom Trott, branch manager of Embrace Home Loans in Frederick, Md.; and Kate Gurevich, managing director of Found It Home Loans, a division of Cherry Creek Mortgage in Denver. All three responded via email, and their responses were edited.

Q: Are you finding more borrowers want ARMs now? Are these repeat buyers, first-time buyers or both?

Koss: Borrowers are more open to ARMs right now due to the potential savings. Each situation is different, but we are seeing interest from both firsttime and repeat buyers.

Trott: More buyers are certainly reviewing their options as they relate to adjustable-rate mortgages vs. fixed-rate mortgages. In my experience, most first-time home buyers are continuing with 30-year fixed-rate mortgages. Repeat buyers are more open to choosing an ARM. Q: Why do borrowers want an ARM when rates are rising?

Shouldn’t they be worried about rates rising too much?

Gurevich: An ARM can still be advantageous if a borrower knows that they will not carry the property for the typical

15- or 30-year term of a fixedrate mortgage.

Trott: When rates are rising, borrowers are more likely to consider an ARM with the hopes of rates declining in the future.

Some borrowers may know that they only will own the property (or have it financed) for five to 10 years, so an ARM is ideal for their financial plan.

Q: What are the advantages of an ARM? Koss: ARMs come with a lower rate for an initial period, such as five, seven or 10 years, so the monthly mortgage payment is significantly less than a 30-year-fixed rate loan. Even if the rate adjusts higher in the future, the borrower will usually be making more income by then.

Trott: An ARM provides increased cash flow upfront because of the lower rates associated with the fixed-rate portion of the mortgage before the rate adjusts. An ARM will allow a borrower to more comfortably afford a more expensive home with lower payments.

Q: What are the disadvantages of an ARM? Gurevich: An ARM will typically have a lower interest rate than a fixed-rate mortgage.

However, the homeowner will be subject to market volatility and unpredictable interest rates down the road. If rates rise much higher, it could significantly increase a consumer’s housing payment and potentially put them in financial hardship.

Koss: No one knows for certain what will happen with rates. If rates increase, the borrower might not be in the best financial shape to handle the higher payment.

Trott: The disadvantages in an ARM are related to future uncertainty of the interest rate environment. If the interest rate goes up 2% (from 4 to 6%) on a $500,000 loan, the principal and

RODNAE PRODUCTIONS/UNSPLASH

An adjustable-rate mortgage may be a good option if the borrower knows they will not be keeping the property longer than the fixed-rate period of the ARM. interest payment is increased by $610 per month.

Q: Please briefly explain how ARMs work.

Trott: ARMs are set up with an initial fixed-rate period, which is usually five, seven or 10 years.

Once the fixed-rate period expires, the rate typically adjusts every six months or yearly.

The new interest rate is determined by a p ​ ublished index plus a margin. If the index is 5% and the margin is 2.25%, then the new rate would be 7.25%. There are caps on how much the rate can increase at the first adjustment as well as subsequent ones. In the above example, if the initial rate was 4.5% and the interest cap on the adjustment period was 2%, then the new rate would be 6.5% instead of 7.25%.

Koss: For the initial loan period, usually five, seven or

10 years, you’ll have a lower fixed rate. Depending on your loan terms, at the end of that period, the rate can potentially go up 2% a year, but never more than 5% over the life of the loan.

The rate can go down, too. After the initial, fixed-rate period, your new payment will adjust based on the remainder of principal at that time. For example, your rate may go up 2%, but your loan balance may be $40,000 lower.

Q: Any advice on who should consider an ARM and who shouldn’t?

Gurevich: An ARM may be a good option if the borrower knows they will not be keeping the property longer than the fixed-rate period of the ARM. A borrower may choose an ARM if they have the financial ability to withstand major interest rate fluctuations and potentially a

significantly higher payment as well. Some borrowers also choose an ARM if they strongly believe that the current trend of high and climbing interest rates is unsustainable, and that rates will drop and allow them to refinance in the future. Most borrowers, however, prefer the financial security of a fixed-rate mortgage product.

Trott: If you have good financial discipline, an ARM is a viable option. If you carry a significant amount of debt that is likely to increase over time, an ARM can be dangerous for you financially. The borrowers who are best served by ARMs are the ones who know their mortgage will be on the property only for the initial fixed-rate period. This scenario avoids the future interest rate uncertainty.

4 Friday, June 10, 2022 — DAILY REPUBLIC

Real estate transactions BENICIA

TOTAL SALES: 13 LOWEST AMOUNT: $379,000 HIGHEST AMOUNT: $2,000,000 MEDIAN AMOUNT: $930,000 AVERAGE AMOUNT: $964,346

266 1st Street – $1,150,000

05-02-22 [4 Bdrms – 2409 SqFt – 2001 YrBlt], Previous Sale: 11-04-19, $293,000

742 Chateau Court – $960,000

05-03-22 [5 Bdrms – 3005 SqFt – 2006 YrBlt], Previous Sale: 10-06-21, $955,000

1512 Clay Street – $22,800,000

05-04-22 [3 Bdrms – 988 SqFt – 1954 YrBlt], Previous Sale: 08-27-07, $394,000

These are the local homes sold recently, provided by California Resource of Lodi.

The company can be reached at 209.365.6663 or CalResource@aol.com.

05-04-22 [3 Bdrms – 1034 SqFt – 1950 YrBlt], Previous Sale: 11-13-08, $105,000

640 Arcadia Drive – $343,000

132 Olympic Circle – $460,000

05-05-22 [4 Bdrms – 2389 SqFt – 1996 YrBlt], Previous Sale: 03-30-18, $550,000

542 Bass Drive – $600,000

112 Rainier Circle – $425,000

05-03-22 [3 Bdrms – 1946 SqFt – 2005 YrBlt], Previous Sale: 03-30-10, $305,000

1012 Beelard Drive – $720,000

136 Randall Avenue – $520,000

5261 Venus Drive – $766,000

870 Walden Court – $687,000

05-03-22 [2 Bdrms – 954 SqFt – 1989 YrBlt], Previous Sale: 12-12-11, $76,000 05-06-22 [3 Bdrms – 1460 SqFt – 1967 YrBlt], Previous Sale: 05-21-12, $160,000 05-02-22 [4 Bdrms – 1800 SqFt – 1995 YrBlt]

05-06-22 [2 Bdrms – 1043 SqFt – 1964 YrBlt], Previous Sale: 12-03-01, $175,100 05-04-22 [2 Bdrms – 1043 SqFt – 1964 YrBlt], Previous Sale: 03-26-99, $117,000 05-06-22 [3 Bdrms – 1374 SqFt – 1975 YrBlt]

05-06-22 [3 Bdrms – 1761 SqFt – 2005 YrBlt], Previous Sale: 02-23-18, $640,100

1725 Elm Street – $570,000

2797 Woodmont Drive – $644,000

760 Bluebird Drive – $598,000

312 Robin Circle – $576,000

05-03-22 [2 Bdrms – 1190 SqFt – 1984 YrBlt]

1044 Empire Street – $475,000

RIO VISTA

2078 California Drive – $500,000

613 Roscommon Place – $669,000

1000 Carlisle Court – $700,000

160 Somerville Drive – $570,000

256 East 2nd Street – $759,000

900 Cambridge Drive #111 – $394,500 05-02-22 [2 Bdrms – 1087 SqFt – 1984 YrBlt], Previous Sale: 11-18-20, $295,000

900 Cambridge Drive #9 – $379,000

05-06-22 [1 Bdrms – 687 SqFt – 1984 YrBlt], Previous Sale: 03-29-07, $260,000

148 Carlisle Court – $900,000

05-06-22 [4 Bdrms – 1874 SqFt – 1973 YrBlt]

714 Elane Way – $2,000,000

05-05-22 [3 Bdrms – 1870 SqFt – 1962 YrBlt], Previous Sale: 05-28-14, $255,000 05-05-22 [2 Bdrms – 1896 SqFt – 1925 YrBlt]

5291 Finkas Lane – $858,000

05-06-22 [4 Bdrms – 3059 SqFt – 2017 YrBlt]

2129 Fox Glen Drive – $745,000

05-03-22 [4 Bdrms – 2551 SqFt – 1989 YrBlt], Previous Sale: 00/1989, $253,500

4886 Heritage Court – $672,000

05-04-22 [4 Bdrms – 1927 SqFt – 1987 YrBlt], Previous Sale: 06-11-02, $299,000

05-05-22 [4 Bdrms – 3642 SqFt – 2008 YrBlt], Previous Sale: 12-08-06, $750,000

917 Hickory Court – $600,000

05-04-22 [4 Bdrms – 2236 SqFt – 1975 YrBlt]

1025 Johnson Street – $475,000

05-02-22 [4 Bdrms – 1772 SqFt – 1971 YrBlt], Previous Sale: 04-24-15, $495,000

2741 Kaanapali Drive – $980,000

05-04-22 [4 Bdrms – 1874 SqFt – 1973 YrBlt], Previous Sale: 03-21-17, $700,000

1737 Kolob Drive – $860,000

05-05-22 [4 Bdrms – 2758 SqFt – 2007 YrBlt], Previous Sale: 07-19-07, $750,000

2108 Lighthouse Drive – $620,000

05-06-22 [4 Bdrms – 1874 SqFt – 1975 YrBlt]

921 Marietta Court – $710,000

05-03-22 [3 Bdrms – 1814 SqFt – 1987 YrBlt], Previous Sale: 07-08-19, $633,000

2837 Marigold Drive – $500,000

05-03-22 [4 Bdrms – 1812 SqFt – 1975 YrBlt]

1320 Meadowlark Drive – $425,000

255 Essex Way – $930,000

524 Gloria Way – $1,050,000

229 Martin Court – $985,000

375 Mcallister Drive – $950,000

306 Panorama Court – $1,350,000 746 Rose Drive – $890,000

317 Steven Circle – $799,000

DIXON TOTAL SALES: 1 LOWEST AMOUNT: $600,000 HIGHEST AMOUNT: $600,000 MEDIAN AMOUNT: $600,000 AVERAGE AMOUNT: $600,000

1305 Cornell Drive – $600,000

05-06-22 [3 Bdrms – 1917 SqFt – 2015 YrBlt], Previous Sale: 06-08-20, $455,000

FAIRFIELD

05-04-22 [3 Bdrms – 1418 SqFt – 1984 YrBlt], Previous Sale: 05-08-18, $451,000 05-03-22 [3 Bdrms – 980 SqFt – 1953 YrBlt], Previous Sale: 01-28-21, $250,000 05-04-22 [4 Bdrms – 2936 SqFt – 1989 YrBlt], Previous Sale: 04-15-20, $707,000 05-02-22 [3 Bdrms – 3748 SqFt – 1989 YrBlt], Previous Sale: 05-17-21, $762,000 05-02-22 [3 Bdrms – 1484 SqFt – 1985 YrBlt], Previous Sale: 03-22-99, $169,500 05-04-22 [3 Bdrms – 1592 SqFt – 1988 YrBlt], Previous Sale: 11-24-04, $370,000 05-02-22 [3 Bdrms – 1276 SqFt – 1973 YrBlt] 05-05-22 [3 Bdrms – 1438 SqFt – 1976 YrBlt], Previous Sale: 04-12-22, $420,000

3414 Millbrook Court – $1,150,000

05-06-22 [4 Bdrms – 3212 SqFt – 2009 YrBlt], Previous Sale: 10-06-10, $596,500

1007 Mockingbird Lane – $535,000

05-03-22 [3 Bdrms – 1556 SqFt – 1967 YrBlt]

3256 Mustang Circle – $700,000

05-04-22 [5 Bdrms – 2603 SqFt – 1990 YrBlt], Previous Sale: 10-24-98, $212,000

3023 Roadrunner Drive – $655,000

05-03-22 [4 Bdrms – 1846 SqFt – 2005 YrBlt], Previous Sale: 08-02-17, $405,000

TOTAL SALES: 31 LOWEST AMOUNT: $340,000 HIGHEST AMOUNT: $22,800,000 MEDIAN AMOUNT: $655,000 AVERAGE AMOUNT: $1,371,081

2090 Starling Way – $550,000

05-03-22 [4 Bdrms – 2127 SqFt – 1987 YrBlt]

1454 Stonewood Court – $640,000

3241 Arroyo Drive – $660,000

380 Atlantic Avenue – $480,000

05-03-22 [3 Bdrms – 1352 SqFt – 1969 YrBlt]

5039 Brookdale Circle – $340,000

05-03-22 [3 Bdrms – 1082 SqFt – 1985 YrBlt], Previous Sale: 06-22-10, $212,000

4130 Cedar Creek Court – $800,000

05-04-22 [3 Bdrms – 1300 SqFt – 1966 YrBlt], Previous Sale: 09-02-15, $255,000

1382 Stewart Drive – $809,000

05-02-22 [4 Bdrms – 3048 SqFt – 2011 YrBlt], Previous Sale: 12-04-19, $630,000 05-04-22 [3 Bdrms – 1485 SqFt – 1992 YrBlt], Previous Sale: 10-21-02, $300,000

603 Tabor Avenue – $429,000

05-04-22 [3 Bdrms – 1554 SqFt – 1979 YrBlt], Previous Sale: 05-02-22, $350,000

712 Utah Street – $408,500

05-03-22 [4 Bdrms – 1705 SqFt – 1989 YrBlt], Previous Sale: 09-20-00, $215,000

TOTAL SALES: 6 LOWEST AMOUNT: $350,000 HIGHEST AMOUNT: $610,000 MEDIAN AMOUNT: $492,500 AVERAGE AMOUNT: $491,667

39 Augusta Court – $415,000

05-06-22 [4 Bdrms – 1860 SqFt – 1989 YrBlt], Previous Sale: 05-24-05, $530,000 05-04-22 [3 Bdrms – 1520 SqFt – 1975 YrBlt], Previous Sale: 02-24-22, $405,000 05-02-22 [4 Bdrms – 2267 SqFt – 2016 YrBlt], Previous Sale: 11-15-16, $481,000

1001 Carlisle Court – $715,000

05-03-22 [4 Bdrms – 2745 SqFt – 2016 YrBlt], Previous Sale: 12-05-16, $524,500

05-05-22 [2 Bdrms – 1105 SqFt – 1999 YrBlt], Previous Sale: 08-01-16, $265,000

124 Carriage Way – $1,050,000

05-06-22 [3 Bdrms – 2454 SqFt – 2000 YrBlt], Previous Sale: 02-20-21, $505,000

560 Chateau Circle – $600,000

05-02-22 [3 Bdrms – 2337 SqFt – 2001 YrBlt]

348 Cherry Street – $785,000

05-06-22 [3 Bdrms – 1859 SqFt – 1998 YrBlt], Previous Sale: 04-14-20, $450,000

712 Clayton Court – $390,000

05-05-22 [3 Bdrms – 1907 SqFt – 1948 YrBlt], Previous Sale: 12-10-10, $145,000

124 Coulter Way – $595,000

05-03-22 [3 Bdrms – 1092 SqFt – 1953 YrBlt]

618 Elderberry Loop – $1,025,000

324 Brockton Place – $600,000

309 Cedar Ridge Drive – $610,000 526 De Flores Circle – $570,000 114 Gardiner Way – $350,000

624 Virginia Drive – $405,000

SUISUN CITY TOTAL SALES: 4 LOWEST AMOUNT: $385,000 HIGHEST AMOUNT: $630,000 MEDIAN AMOUNT: $593,500 AVERAGE AMOUNT: $550,500

123 Birchwood Court – $580,000

05-04-22 [4 Bdrms – 1763 SqFt – 1990 YrBlt], Previous Sale: 03-14-02, $255,000

801 Crested Drive – $385,000

05-03-22 [3 Bdrms – 1220 SqFt – 1985 YrBlt]

1612 Paseo Flores Drive – $607,000

05-03-22 [3 Bdrms – 2825 SqFt – 2016 YrBlt], Previous Sale: 04-13-20, $840,000 05-03-22 [4 Bdrms – 1827 SqFt – 2000 YrBlt], Previous Sale: 05-01-12, $45,000 05-04-22 [3 Bdrms – 1428 SqFt – 1953 YrBlt], Previous Sale: 03-02-21, $500,000

05-04-22 [4 Bdrms – 2825 SqFt – 2017 YrBlt], Previous Sale: 03-02-17, $644,500

359 Evergreen Drive – $675,000

05-06-22 [3 Bdrms – 1340 SqFt – 1975 YrBlt], Previous Sale: 09-14-15, $402,000

209 Georgetown Drive – $575,000

05-02-22 [4 Bdrms – 1402 SqFt – 1975 YrBlt]

397 Grape Street – $565,000

05-02-22 [3 Bdrms – 1655 SqFt – 1954 YrBlt], Previous Sale: 07-12-17, $379,000

106 Harvest Drive – $610,000

05-02-22 [4 Bdrms – 1943 SqFt – 1988 YrBlt], Previous Sale: 06-12-18, $490,000

260 Hemlock Street – $385,000

05-06-22 [3 Bdrms – 1294 SqFt – 1957 YrBlt] 05-06-22 [3 Bdrms – 2586 SqFt – 1986 YrBlt], Previous Sale: 10-20-08, $615,000 05-02-22 [5 Bdrms – 3112 SqFt – 1996 YrBlt], Previous Sale: 11-05-12, $503,000

173 Kodiak Drive – $725,000

05-02-22 [3 Bdrms – 2241 SqFt – 2016 YrBlt], Previous Sale: 11-08-16, $440,000

419 Mandarin Circle – $485,000

05-02-22 [2 Bdrms – 1323 SqFt – 1999 YrBlt], Previous Sale: 05-07-99, $157,500

130 Adrian Court – $560,000

2174 Newcastle Drive – $710,000

214 North Alamo Drive – $750,000

107 Novato Drive – $474,000

05-06-22 [4 Bdrms – 1722 SqFt – 1979 YrBlt]

349 Timber Drive – $825,000

05-02-22 [4 Bdrms – 1862 SqFt – 1974 YrBlt], Previous Sale: 07-24-15, $432,500

337 Trellis Lane – $515,000

05-06-22 [2 Bdrms – 1395 SqFt – 1997 YrBlt], Previous Sale: 09-11-98, $154,500

401 Trillick Court – $740,000

05-02-22 [3 Bdrms – 1573 SqFt – 1987 YrBlt], Previous Sale: 04-06-20, $527,500

291 Weatherly Way – $495,000

05-02-22 [4 Bdrms – 1402 SqFt – 1973 YrBlt]

VALLEJO

612 Hillcrest Circle – $985,000

05-05-22 [3 Bdrms – 1324 SqFt – 1987 YrBlt], Previous Sale: 09-27-21, $510,000

05-06-22 [3 Bdrms – 1051 SqFt – 1957 YrBlt], Previous Sale: 11-30-07, $265,000

05-06-22 [3 Bdrms – 2120 SqFt – 2007 YrBlt], Previous Sale: 05-25-16, $399,000

05-06-22 [4 Bdrms – 1934 SqFt – 1985 YrBlt], Previous Sale: 01-05-12, $160,000

TOTAL SALES: 38 LOWEST AMOUNT: $343,000 HIGHEST AMOUNT: $1,425,000 MEDIAN AMOUNT: $599,000 AVERAGE AMOUNT: $656,224

05-05-22 [4 Bdrms – 1334 SqFt – 1976 YrBlt]

143 Stinson Avenue – $526,500

237 Wild Sage Drive – $1,425,000

220 Hidden Valley Lane – $1,070,000

VACAVILLE

05-06-22 [3 Bdrms – 1708 SqFt – 1990 YrBlt], Previous Sale: 03-31-22, $669,000

05-04-22 [5 Bdrms – 2043 SqFt – 1977 YrBlt], Previous Sale: 02-28-09, $260,000

05-04-22 [3 Bdrms – 1384 SqFt – 1994 YrBlt], Previous Sale: 07-26-04, $380,000

807 Tulare Circle – $630,000

05-04-22 [3 Bdrms – 1192 SqFt – 1988 YrBlt], Previous Sale: 04-16-20, $430,000

05-02-22 [3 Bdrms – 1809 SqFt – 2010 YrBlt], Previous Sale: 10-14-10, $320,000 05-02-22 [3 Bdrms – 960 SqFt – 1967 YrBlt]

05-02-22 [5 Bdrms – 4018 SqFt – 2015 YrBlt], Previous Sale: 08-27-15, $883,000

TOTAL SALES: 36 LOWEST AMOUNT: $205,000 HIGHEST AMOUNT: $1,114,000 MEDIAN AMOUNT: $522,750 AVERAGE AMOUNT: $553,958

114 Baxter Street – $430,000

05-04-22 [3 Bdrms – 1152 SqFt – 1985 YrBlt], Previous Sale: 02-11-08, $292,000

110 Bella Vista Way – $725,000

05-06-22 [3 Bdrms – 2081 SqFt – 1938 YrBlt]

346 Bergwall Way – $665,000

05-02-22 [4 Bdrms – 1588 SqFt – 1955 YrBlt], Previous Sale: 07-31-17, $325,000

185 Bridlewood Court – $600,000

05-02-22 [3 Bdrms – 1421 SqFt – 1987 YrBlt], Previous Sale: 11-29-04, $405,000

1333 North Camino Alto #129 – $205,000

05-03-22 [1 Bdrms – 441 SqFt – 1974 YrBlt], Previous Sale: 12-21-18, $130,000

1333 North Camino Alto #249 – $350,000

05-04-22 [3 Bdrms – 980 SqFt – 1974 YrBlt], Previous Sale: 07-29-21, $315,000

624 Catalina Circle – $650,000

05-02-22 [4 Bdrms – 1986 SqFt – 1987 YrBlt], Previous Sale: 04-29-08, $287,000

49 Cliff Walk Drive – $820,000

05-04-22 [3 Bdrms – 1909 SqFt – 1991

See Transactions, Page 8

DAILY REPUBLIC — Friday, June 10, 2022 5

ON GARDENING

Make Blue Fortune agastache the foundation of a pollinator garden

A

NORMAN WINTER/TNS

This Blue Fortune clump has attracted a Monarch butterfly, bumblebee and honeybee.

feeling of euphoria came over The Garden Guy and I muttered to myself that my work on earth was done. OK, I am kidding to a point.

I am trialing two new agastaches, which I admit I am falling in love with: Norman Meant to Bee Queen NectarWinter ine and Meant to Bee Royal Raspberry. I’ll write about them in the coming months. My moment with a visit down Euphoria Lane however See Winter, Page 7

A Division of American Pacific Mortgage Corporation NMLS#1850

Now Offering Land, Construction & Bridge Loans

Green Valley Highlands 4570 McCready Court

Extraordinary custom single story in Green Valley Highlands with amazing panoramic views of the valley & Mt. Diablo. Private guest studio with separate entrance features full bath, spacious room with lovely views, great potential for ADU. Stunning natural slate floors, cedar ceiling, custom Mendota gas fireplace, wet bar & large picture windows with views are just some of the exceptional features you will enjoy. Located just off the master suite, you will relax in your jetted spa while taking in the gorgeous views & enjoying all the tranquil surrounding beauty.

Meticulously updated and cared for throughout, sellers have installed a back-up generator, new electrical panel and AV entertainment system which all convey. Located on a beautiful 2.7 acre parcel with a treehouse & trampoline for the kids to enjoy. A very special one of a kind place to call home! 4BR/3.5BA, 3856 sf.

Offered at $1,699,000

Open House Sunday 1-4PM

707-449-4777 www.4570McCreadyCourt.com

Call or Inquire at www.SolanoMortgage.com Jim Porter Branch Manager NMLS 276412

Solano Mortgage NMLS #1515497 & #1514658 is a division of American Pacific Mortgage Corporation NMLS #1850 is licensed in California by the Dept. of Financial Protection and Innovation under the CRMLA / Equal Housing Opportunity

Candice Sullivan & Sheryl Tamietti REALTORS® LIC#01429797 / #01444227

(707) 410-7880 or 688-2904

6 Friday, June 10, 2022 — DAILY REPUBLIC

OPEN HOU

OPEN HOU

SE

SE

Open House Sat & Sun 1-3PM 773 Laguna Court, Fairfield

Open House Sunday 12-2PM 1953 Manor Place #104

3bd/2ba w/1350sf & OWNED SOLAR! New inside paint, neutral wide planked woodtype floors throughout kitchen & living.

Updated bathrooms. Great room w/skylight & mantled fireplace. Includes finished oversized shed w/electricity & plumbed for water. $529,950

Sharp townhouse located in gated community. 2 bedrooms with their own updated bath, plus 1/2 bath downstairs.

Updated kitchen, granite counters, new cabinets & refrigerator. Private decking in back. Enter thru pedestrian gate. $375,000

Renee Neuman & Associate

REALTOR® DRE#01231287

(707) 249-2702

OPEN HOU

SE

Open House Sat & Sun 11am-1pm 1734 Ventura Way, Suisun City 3 Bedroom, 2.5 bathroom located in Suisun’s popular Montebello Vista subdivision. This home has RV parking, no rear neighbors and has a bonus family room. Open concept floor plan has many areas for entertaining! $579,900

Davina Hatfield & Associate

REALTOR® DRE#02060333

(530) 304-6696

ON THE MARKET FOR THIS WEEKEND June 11th & 12th

OPEN HOU

SE

Open House Sunday 12-3PM 842 Elderberry Loop, Vacaville Beautiful Browns Valley 4BR 3.5BA + large office/library w/1BR 1BA ADU/Apt above 3 car gar. Spacious kitch w/ granite counters, tile floors.

FR w/fp, formal LR & Dr +so much more! $1,349,000

Sandy Stewart & Paul Wittenmeier

REALTORS® DRE#01038978 & 01935235

(707) 696-7063 or 688-4858

JIM

STEVER REALTY

Jim Stever & Associate Broker, DRE# 00805574

(707) 580-3976

OPEN HOU

SE

Open House Saturday 12-2PM 13 Amador Circle, Rio Vista Beautiful remodeled 3-4 bed/2.5 bath home has newer kitchen & baths, salt water pool w/solar heating, spa & bbq kitchen w/ bar & fire pit, refrigerator, freezer & more.

Master has sitting area & deck. RV & boat parking. No rear neighbors. $699,900

Ralene Nelson

REALTOR® BRE#01503588

(707) 334-0699

DAILY REPUBLIC — Friday, June 10, 2022 7

Winter From Page 5 came when I went to Proven Winners agastache page and saw almost a dozen selections including the one that I consider the grandaddy, the foundation of all pollinator gardens worth their salt. And that is Blue Fortune.

My first trial with Blue Fortune was more than 15 years ago when I was an extension horticulture specialist with Mississippi State University. Since then it has been featured in all of my pollinator or butterfly presentations and I have written about it several times. But to be honest, it has been like I was speaking in some kind of paranormal vacuum. Oh, you would get to buy one or two ever so often. Pollinator geeks like myself kind of have an inner circle; if you see an agastache for

OPEN HOU

sale, send an alert or pick some up for me, just in case I never get the chance again.

Now with the No. 1 plant brand obviously putting some extra effort toward bees, birds and butterflies with the addi-

tion of almost a dozen agastache varieties, the future is bright.

Regarding Blue Fortune, now we will all hopefully have the opportunity to buy some. No longer

You can fi fin nd me on Facebook, but I prefer face to face.

See Winter, Page 10

Opening doors in Solano County for over 20 years

Financing the AMERICAN DREAM for everyone!

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When we write your Pre-Approval Letter to present to the seller, You WILL Close the Deal with us!

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www.SolanoHomesToday.com

OPEN HOU

SE

Open House Sat & Sun 1-3PM 930 Steller Way, Fairfield

Open House Saturday 12-2PM 1766 Stoneman Drive, Suisun City Stunning 4bd/2.5ba, 2,100sf+. Upgraded vinyl floors, crown molding, 5in baseboard & shutters. Kitchen w/SS appliances, pendant lights, single basin, pantry+. Tile floors in all wet areas. Extended concreted driveway & sides. Too much to list! $680,000

4bd/2.5ba - on rare oversized 11,325 sf flag lot.

New inside paint & updated kitchen, baths & dual pane windows. Lots of parking & storage front & back! $599,950

Sylvia Cole & Charetta Kaye Foreman REALTOR® DRE#01386900 & 02053460

707-330-8923 or 419-2042

SE

ON THE MARKET FOR THIS WEEKEND June 11th & 12th

Robin Stucker & Associate

REALTOR® DRE#01347484

(707) 688-7966

8 Friday, June 10, 2022 — DAILY REPUBLIC

Transactions: Homes sold recently in Solano From Page 4

05-05-22 [4 Bdrms – 2020 SqFt – 2002 YrBlt], Previous Sale: 01-15-03, $423,583

161 Hastings Avenue – $500,000

05-03-22 [3 Bdrms – 1712 SqFt – 1987 YrBlt], Previous Sale: 07-07-17, $469,000

181 Hogan Avenue – $454,000

05-06-22 [3 Bdrms – 912 SqFt – 1942 YrBlt], Previous Sale: 07-15-09, $120,000

910 Innisfree Court – $950,000

YrBlt], Previous Sale: 01-06-05, $625,000

149 Flying Dutchman Court – $700,000

05-06-22 [3 Bdrms – 1032 SqFt – 1973 YrBlt], Previous Sale: 12-23-19, $176,000

121 Franklin Street – $477,000

05-03-22 [3 Bdrms – 1024 SqFt – 1963 YrBlt], Previous Sale: 09-17-10, $107,000

1 Frisbie Street #626 – $370,000

05-02-22 [3 Bdrms – 1516 SqFt – 1955 YrBlt], Previous Sale: 06-11-10, $178,000

455 Gonzaga Avenue – $300,000

05-02-22 [3 Bdrms – 1746 SqFt – 1935 YrBlt], Previous Sale: 09-12-18, $320,000

7312 Hapsburg Crown Court – $287,000

404 Corcoran Avenue #1 – $300,000 139 Dillon Drive – $485,000

1415 Donner Pass Road – $530,000 1554 El Dorado – $575,000

1274 Ericka Court – $750,000

05-06-22 [2 Bdrms – 964 SqFt – 1991 YrBlt], Previous Sale: 01-31-20, $268,500 05-02-22 [3 Bdrms – 1104 SqFt – 1962 YrBlt], Previous Sale: 12-29-98, $128,909

05-02-22 [3 Bdrms – 2069 SqFt – 2001 YrBlt], Previous Sale: 07-08-09, $255,381

05-02-22 [4 Bdrms – 3179 SqFt – 2001 YrBlt], Previous Sale: 09-18-17, $690,000

05-02-22 [2 Bdrms – 1139 SqFt – 1981 YrBlt], Previous Sale: 05-17-11, $49,500

560 Russell Street – $530,000

05-03-22 [2 Bdrms – 1285 SqFt – 1941 YrBlt]

05-02-22 [3 Bdrms – 1024 SqFt – 1965 YrBlt], Previous Sale: 04-24-09, $90,000

111 Olympic Drive – $600,000

05-05-22 [2 Bdrms – 810 SqFt – 1942 YrBlt], Previous Sale: 04-14-21, $365,000

240 Parkview Terrace – $525,000

05-02-22 [4 Bdrms – 3849 SqFt – 2003 YrBlt], Previous Sale: 11-12-03, $615,293

316 Pepper Drive – $520,500

7214 Seaglass Drive – $800,000

05-04-22 [2 Bdrms – 665 SqFt – 1941 YrBlt], Previous Sale: 02-13-13, $102,000

926 Pine Street – $505,000

450 Woodrow Avenue – $420,000

05-02-22 [3 Bdrms – 1088 SqFt – 1971 YrBlt], Previous Sale: 12-19-17, $305,000

807 Rollingwood Drive – $625,000

201 Yachtsman Drive – $753,000

508 Laurel Street – $450,000

125 Litchfield Court – $499,000

165 Oddstad Drive #40 – $353,000

05-05-22 [4 Bdrms – 1978 SqFt – 1988 YrBlt], Previous Sale: 09-03-08, $260,000 05-06-22 [3 Bdrms – 2048 SqFt – 1972 YrBlt] 05-05-22 [3 Bdrms – 1228 SqFt – 1957 YrBlt], Previous Sale: 10-30-14, $255,000 05-05-22 [2 Bdrms – 1015 SqFt – 1949 YrBlt], Previous Sale: 09-16-09, $95,000 05-05-22 [3 Bdrms – 1132 SqFt – 1954 YrBlt], Previous Sale: 05-08-08, $160,000

REAL ESTATE Ramon Santos

2409 Rushcreek Place – $1,114,000

Apply now @ www.primeres.com/rsantos

1333 Ryder Street – $500,000

05-06-22 [3 Bdrms – 1445 SqFt – 1934 YrBlt], Previous Sale: 06-10-11, $70,000

138 San Ramon Avenue – $625,000

05-04-22 [3 Bdrms – 1157 SqFt – 1955 YrBlt], Previous Sale: 00/1992, $130,000 05-04-22 [5 Bdrms – 2856 SqFt – 2012 YrBlt], Previous Sale: 05-19-15, $520,000 05-06-22 [3 Bdrms – 1252 SqFt – 1940 YrBlt], Previous Sale: 12-15-03, $93,000 05-02-22 [3 Bdrms – 1282 SqFt – 1986 YrBlt], Previous Sale: 10-24-19, $489,000

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Jim & Darla are both past Presidents of the Northern Solano County Association of REALTORS.® Having been in business since 1978 we are one of the few remaining Independent Real Estate Companies in Fairfield. Born and raised in Solano County... we know the area. We strive to meet the specialized needs of each client, using the highest ethical standards.

BIGGER IS NOT ALWAYS BETTER.

JIM STEVER REALTY

STEVER & ASSOCIATES Serving Solano County Since 1978!

Nancy Price-Branson Cal DRE Lic #01426977

(707) 718-1989

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Jim & Darla Stever BROKER/REALTOR®/Owner Cal BRE#01085687

((707) 707) 3 373-6949 7 3 -6 6949

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1 1 1 1 W E B S T E R S T R E E T, F A I R F I E L D

DAILY REPUBLIC — Friday, June 10, 2022 9

Mortgage rates move higher THE WASHINGTON POST After wandering lower the past four weeks, mortgage rates sharply reversed course this week.

According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average increased for the first time in a month, climbing to 5.23% with an average 0.9 point.

(A point is a fee paid to a lender equal to 1% of the loan amount. It is in addition to the interest rate.)

It was 5.09% a week ago and 2.96% a year ago.

Freddie Mac, the feder-

Jones From Page 2 to the board until, ultimately, all the houses were sold and the entire board was made up of homeowners.

Then, over time, elections were probably held, directors sometimes quit and moved, new directors stopped going to meetings, and at some point no one was even scheduling meetings.

Frankly, it’s kind of understandable. Homeowner association boards are very much like city councils and operate much the same way. Board members do the same kind of work and take the same amount of abuse from their constituents. But unlike city council members, board members do it all for free. California law prohibits association board members from getting paid while many council members make a fair amount of income.

With nobody ultimately wanting to work for free, everything just comes to a stop.

Only now, when you want the HOA to take action against your neighbor, is somebody noticing the association is effec-

ally chartered mortgage investor, aggregates rates from about 80 lenders across the country to come up with weekly national averages. The survey is based on home purchase mortgages. Rates for refinances may be different. It uses rates for high-quality borrowers with strong credit scores and large down payments. Because of the criteria, these rates are not available to every borrower.

The 15-year fixed-rate average rose to 4.38% with an average 0.8 point. It was 4.32% a week ago and 2.23% a year ago.

The five-year adjustable-rate

average jumped to 4.12% with an average 0.3 point. It was 4.04% a week ago and 2.55% a year ago.

Mortgage rates mirrored “the rebound in the 10-year Treasury, which crested [at] 3% mid-week,” George Ratiu, senior economist and manager of economic research at Realtor.com, wrote in an email. “Investors have their eyes on the Consumer Price Index, expecting to see continued gains but at a moderating pace. The data will be an important measure for the Federal Reserve at its meeting next week.

tively gone.

The process for rehabilitating your HOA and getting it back on its feet is far too complicated for this column. But to give you an idea, you’re going to, at a minimum, go to the California Secretary of State and file documents and pay money to reinstate the HOA’s corporate structure.

This could include filing back tax returns and even paying back property taxes on common areas such as streets and community parking lots.

Then you’ll have to appoint an interim board of directors, the sole purpose of which is to hold an election that conforms to the newer, more technical guidelines of California law.

Once the elections are held and a new board is in place, you’ll be back on your feet.

Unless, of course, nobody steps up and volunteers to serve on the board.

But doing all of those things is a long process and doesn’t address the problem across the street from you. No, the police cannot enforce the CC&Rs without a court order to do so.

Look carefully at your CC&Rs and see if they contain a prohibition against neighbors directly enforcing the provisions of the

CC&R in court. Some CC&Rs do have such a prohibition, but most don’t.

Whether there’s a prohibition or not, you are going to have to file a lawsuit against the neighbor. The suit would be against the owner of the property since they are the ones who are subject to the CC&Rs. CC&Rs are nothing more than contracts between all of the property owners. In essence, you are suing the owner for breach of contract since he allowed his tenants to break the contract rules.

Even if the CC&Rs have a provision preventing the right of private action, like a lawsuit, a court will likely find that since there is no other remedy available until the new HOA is reinstated, you will be allowed to get a court order that makes the tenants move their vehicles.

The order is called an “injunction.” With an injunction in hand, the police can enforce its provisions.

Your Home Improvement Specialists

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See Mortgage, Page 11

Tim Jones is a real estate attorney in Fairfield. If you have any real estate questions you would like answered in this column, you can send an email to AllThingsRealEstate@ TJones-Law.com.

Small* $35 $45 $55

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10 Friday, June 10, 2022 — DAILY REPUBLIC

Solano County Listings: Homes for sale PRICE

ADDRESS

CITY

BEDS BA (F/H)

SQ. FT.

LOT/AC

$897,000 $490,000 $549,900 $599,000 $824,900 $4,500,000 $214,900 $385,000 $392,500 $499,950 $535,000 $560,000 $569,000 $579,000 $595,000 $630,000 $675,000 $700,000 $750,000 $769,000 $775,000 $841,333 $849,000 $1,495,000 $430,000 $520,000 $520,000 $525,000 $558,000 $565,000 $570,000 $599,000 3222048412 $599,950 $364,950 $435,000 $455,000 $470,000 $510,000 $515,000 $529,997 $535,000 $540,000 $599,000 $609,500

116 Mountview Ter 22 Sierra Dr 1655 Winfield Street 1245 Dartmouth Cir 850 Stratford Ave 6156 Clark Rd 1625 Park Ln #11 2446 Beaufort Dr 104 Manchester Dr 1900 Larchmont Cir 2009 Bluebird Wy 2459 Carnation Drive 2049 Falcon Dr 2902 Juniper St 3027 Redwood Dr 1106 Charter Ln 501 Turner Ct 3272 Mustang Cir 4599 Turnstone Wy 2825 Rockridge Dr 2258 Pullen Ln 714 Tuscany Ct 2152 Fieldcrest Ave 3272 Congressional Cir 385 Paradise Pines 405 Dickey Ct 51 Montego Ct 900 Limewood Street 810 Greenhead Wy 1300 Humphrey Dr 321 Ruddy Ln 1412 Trainor Ct

Benicia Dixon Dixon Dixon Dixon Dixon Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Fairfield Rio Vista Suisun City Suisun City Suisun City Suisun City Suisun City Suisun City Suisun City

4 3 3 3 4 4 2 3 2 2 4 4 3 3 4 3 4 4 4 5 4 4 4 4 2 3 3 3 3 4 4 3

3/0 2/0 2/0 2/1 3/0 4/0 1/0 2/0 2/0 2/0 2/0 2/0 2/0 2/0 2/0 3/0 3/0 2/0 2/1 3/0 2/0 3/0 2/1 3/0 2/0 2/0 2/0 2/0 2/0 2/0 2/0 3/0

2,288 1,290 1328 1917 3,355 5906 794 1272 1,014 1187 1584 1474 1496 1661 1877 1967 1577 2127 2110 2616 2270 2356 3156 3271 1,154 1101 1342 1145 1440 1563 1,304 1,666

0.11 0.21 5532 0.074 0.24 78.98 0.018 0.1 0.022 0.291 0.12 7405 0.13 0.16 10018sf 0.142 0.098 0.230 0.078 0.103 8800sf 0.252 0.261 0.313 0.1 0.105 0.14 3432 0.13 0.14 0.13 0.09

322031987 322048346 322042459 322050947 322046221 322047718 322042076 322045756 322048485 322042533 322037450 322042091 322043726 322040025 322051543 322047148 32205164 322050775 322040673 322051141 322049282 322050842 322033269 322043668 322050264 322044555 322047267 322048239 322033208 322053156 322050533

930 Steller Wy 125 Del Rio Ct #2 173 Stinson Avenue 128 Glacier Cir 1273 Marshal Rd 207 Madrone St 460 Rosso Ct 468 Royal Oaks Dr 293 Deodara St 119 Maywood Ct 260 Heritage Ln 567 Chateau Way

Suisun City Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville

4 2 4 2 3 3 3 4 3 3 3 3

2/1 1/1 1/0 2/0 1/0 2/0 2/1 3/0 2/0 2/0 3/0 3/0

1764 952 1065 1424 960 1286 1211 1,799 1,294 1408 1,711 1,591

0.26 0.006 47911 0.13 0.13 0.11 2386sf 0.13 0.12 9147sf 0.07 0.08

322047796 322039789 322052223 322046875 322046942 322040262 322048375 322041513 322046612 322047051 322027821 322051656

Winter From Page 7 will it be like searching for the proverbial four-leaf clover.

Our secret agastache groups can dissolve.

I know there is probably a large group, a new generation of readers, if you will, who are asking what in the world is a Blue Fortune agastache and

MLS #

why would I want one? First know that it is a perennial, cold hardy from zones 5 through 9.

The rest of you can grow it as an annual. In addition to the name agastache, they also go by names like anise hyssop and hummingbird mints.

Blue Fortune has native DNA, Agastache foeniculum, that was crossed with one of the best outsiders from Korea, Agastache rugosa. The result is a supercharged perennial that will yield glorious lavender blue spikes of

PRICE

ADDRESS

CITY

BEDS BA (F/H)

$620,000 $625,000 $629,997 $650,000 $665,000 $674,950 $675,000 $675,000 $679,000 $685,000 $745,000 $759,000 $875,000 $885,000 $1,095,000 $1,399,000 $1,400,000 $569,000 $570,000 $649,000 $729,950 $759,000 $895,000 $1,995,000

854 Cameron Ct 718 Oakmeade Dr 579 Chateau Way 731 Fawn Ct 607 Edenderry Dr 379 Timber Dr 459 Valencia Ln 813 Raven Dr 133 Alamo Dr 785 Monaghan Cir 206 Joyce Dr 512 Del Mar Cir 467 Royal Tern Dr 520 Wellington Wy 230 Deer Branch Ln 842 Elderberry Loop 7494 English Hills Rd 1728 Napa St 370 Carousel Dr 12 E Shoal Dr 411 Rickover St 3931 Central Ln 8457 Pleasants Valley Rd 26518 County Road 34

Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vacaville Vallejo Vallejo Vallejo Vallejo Winters Winters Winters

3 4 4 4 4 4 4 4 3 3 4 4 5 4 4 5 5 3 3 3 3 3 2 3

CITY

LOT/AC

LOTS & LAND

PRICE

ADDRESS

$459,000 $500,000 $1,250,000 $1,870,000 $55,000 $359,950 $549,000 $895,000 $15,000,000 $324,999

7215 Pleasants Valley Rd 360 Butcher Rd 8362 Auction Ln 2300-11 E. Monte Vista 340 Black Oak Ln Gibson Canyon County Rd 8457 Pleasants Valley Rd Mankas 2939 Mix Canyon Rd

Vacaville 6 Vacaville 1.10 Dixon 2.16 Vacaville 3.66 Napa 0.26 Vacaville 1.55 Crockett 1.06 Winters 22.16 Fairfield Vacaville 24.42

PRICE

ADDRESS

CITY

MOBILE/FLOATING

$169,000 $99,000 $735,900 $159,900

2525 Flosden Rd #46 65 Balboa Ct 549-551 Pacific Avenue 1597 Alamo Dr #129

LOT/AC

MLS #

0.255 0.13 0.18 0.21 0.14 0.19 0.18 0.13 9147sf 0.185 0.189 0.15 0.14 0.19 0.408 0.295 2.5 0.096 0.12 0.044 0.096 5.52 22.16 20.0

322050158 322021041 322026823 322049111 322048361 322038252 322048617 322049211 322045750 322044969 322032023 322048126 322027703 322041654 322051130 322043728 322049201 322028120 322045155 322047542 322028120 322032322 321006700 222005840

SUB TYPE

MLS#

AGRI COMM COMM COMM RESA RESA RESA RESA RESA RESL

322010137 321098151 322014651 321102156 321079279 22029146 321089387 321000406 21825708 321007519 NORMAN WINTER/TNS PHOTOS

MLS #

322035792 322050908 321043438 322052124

As the seeds mature the American Goldfinches, top, sweep in for their chance at the menu. Eastern Tiger swallowtails, above, also like the Blue Fortune anise hyssop.

spikes create excitement in the garden with their texture. You may actually think there is sound associated with the flowers as it will be the hum of bees. The blue color partners well with all other colors of agastaches, and other prized pollinator plants like Truffula Pink gomphrena, Rockin salvias and Luscious lantanas.

The Garden Guy does well with Blue Fortune even though I am a little sun challenged. In full blazing sun, the blooms and performance are even better. Good

drainage is essential for a spring return as wet winter boggy soil will give you problems.

Those of you who are culinary specialists will love the opportunities of using Blue Fortune agastache or anise hyssop in the kitchen. Honey producers consider anise hyssop honey to be among the finest. Pollinator lovers, our future looks bright, with a mega brand taking agastache to a new level.

American Canyon Fairfield Fairfield Vacaville

blooms all season until it is time for winter rest. During this long period of bloom, it will bring in all sorts of bees, butterflies, and hummingbirds. Then to add to your deadheading quandary, consider that birds like American goldfinches may come to eat the seeds. They are at my house.

It is a one-stop habitat café with a treasure trove of food, none of which is on Bambi’s menu.

As far as landscape aesthetics are concerned, the 2-foot-tall clump of blue fragrant flower

SQ. FT.

2/1 1778 2/1 1755 3/0 1,852 3/0 2,124 3/0 2,143 2/1 2048 2/0 1,497 3/0 1,860 2/1 2039 2/0 1708 2/0 1956 3/0 2,409 5/0 4,082 3/1 3600 3/1 3462 4/1 4058 3/1 4031 2/1 2203 3/0 1,693 2/1 1795 2/1 2203 2/0 1782 1/0 5/0 3,135

BEDS

2 0 2 2

BA(F/H) SQ. FT

2 0 1 2

900 840 2479 1440

DAILY REPUBLIC — Friday, June 10, 2022 11

Mortgage From Page 9 While it is not the central bank’s preferred measure of inflation, it is another metric detailing the health of the economy.”

When the Federal Reserve meets next week, investors are anticipating another increase in the federal funds rate. At its May meeting, the Fed raised its benchmark rate by a half-percentage point, its sharpest rate hike in 22 years. Another half-

percentage point increase is on the table this month. The central bank took its first steps toward bringing down inflation in March when it boosted its benchmark rate for the first time since 2018. Although the Fed does not set mortgage rates, its actions influence them.

“As the Fed continues its aggressive activities – rolling off billions from its balance sheet and rate hikes – to slow inflation, mortgage rates will climb higher as a result,” said Ken H. Johnson, real estate economist at Florida Atlantic University.

It is not just the Federal

Reserve that is raising interest rates. The European Central Bank announced this week that it will raise its key rate for the first time in 11 years next month in an effort to combat inflation. It also said it would cease its bond-buying program in July.

Although the Fed’s actions are putting upward pressure on mortgage rates, other factors are dragging them down.

“Rates have continued to fluctuate over the past few weeks as volatility persists,” Robert Heck, vice president of mortgage at Morty, an online mortgage marketplace, wrote in an email.

“Overall, the current rate environment continues to reflect uncertainty across markets, which in large part is being

DAVE FRANZONI

Executive Council Cal BRE #1748267

Scott Tonnesen 707-246-5670

LenderScott@gmail.com SolanoHomeLoans.com DRE #01352612 • NMLS#331812 • NMLS#1401042

Citizens Financial • 1293 Oliver Road • Fairfield CA

*DOOHU\ Randie Boardman Cell (707)

I live and work in Solano County REALTOR® for over 15 years Top Producer Smart Home Specialist Executive Council of REALTORS® #1 Company in the Nation 6 Offices for your convenience

(707) 410-9003 DaveFranzoni.com

5071 Business Center Drive Fairfield, CA 94534

reduction and housing supply.”

Managing Partner

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around inflation, balance sheet

Celebrating 40 Years Of Solano County Real Estate Experience.

REAL ESTATE ➤ ➤ ➤ ➤ ➤ ➤ ➤

driven by mixed expectations

REALTOR®

688-2864

RandieBoardman@sbcglobal.net www.RandieBoardman.RemaxGold.com Serving Your Real Estate Needs for 28 Years

GRI

1411 Oliver Road, Suite 180 Fairfield, CA 94534 Each Office Independently Owned and Operated

LISTING, SELLING AND ARRANGING MORTGAGE LOANS

Your Needs are our Priority!

Free Consultation (707) 688-3697 (707) 425-5314

wjd8604@aol.com

CalBRE #00590778 NMLS #268646

JD Real Estate 1351 Oliver Road | Fairfield, CA 94534

Judy Davis Broker/Owner

39 Years Experience in Real Estate Industry

12 Friday, June 10, 2022 — DAILY REPUBLIC

O P E N HO

SUNDAY 1:0 USE 0-4 :00

4570 McCready Ct, Green Valley Highlands New Listing $1,699,000 O P E N HO

SUNDAY 1:0 USE 0-4 :00

800 Emerald Bay Dr, Green Valley New Listing $679,900

202 Falcon Way, Hercules New Listing $899,000

158 Saxony Court, Vallejo New Price $799,000

4770 Olive Drive, Concord Offered at $849,000

5027 Oakbrook Circle, Cordelia Call for Status $635,000

2965 Quail Hollow Drive, Rancho Solano Call for Status $899,000

4666 Green Valley Ln, Green Valley Call for Status $1,498,500

705 Wiegand Way, Dixon Coming Soon $749,000

John & Rhonda Stallings 707.888.3140 707.328.0911

Mariam Khugiani 707.639.7064

Claudio Barrientos 510.207.2437

Clutts & Stewart 707.315.0950 805.705.6521

Carolyn Strout 707.864.8221

Bob & Rosemarie Ogan 707.864.8336 707.344.3439

Gina Waters 707.673.6988

Andy Klink 707.864.3792

Taylor Armour 707.330.3466

Loney & Worley 707.290.0556 707.344.1300

Tania Andersen 707.208.0954

Sheryl & Candice 707.688.2904 707.410.7880

Lesley Razo 530.531.7813

Carolyn Munson 707.803.1662

Zachary Loney 707.430.3335

Johnny Sy 707.438.9771

Dena Flashman 415.603.0322

Claire Boyd 707.280.4348

Deborah MacKenzie 707.290.6998