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Buyer Demand Still Outpacing the Supply of Homes for Sale | Matthew Stewart Real Estate Team | Top Producer | Roseville | Granite Bay | Rocklin | Lincoln | Folsom

The price of any item is determined by the supply of that item, as well as market demand. The National Association of REALTORS (NAR) surveys “over 50,000 real estate practitioners about their expectations for home sales, prices and market conditions” for their monthly REALTORS Confidence Index.

Their latest edition sheds some light on the relationship between Seller Traffic (supply) and Buyer Traffic (demand).

Buyer Demand
The map below was created after asking the question: “How would you rate buyer traffic in your area?”

Buyer traffic is high in California. Inventory (homes for sale) is down which is putting pressure on the market causing pricing to increase. Sellers should be careful and not over price which will cause them to take longer to sell and generally sell for less money as they adjust price after the largest wave of interest the first 3-4 weeks. Matthew Stewart Real Estate Team | Roseville | Granite Bay | Rocklin | Lincoln | Folsom

The darker the blue, the stronger the demand for homes in that area. Only four states had a ‘stable’ demand level.

Seller Supply
The index also asked: “How would you rate seller traffic in your area?”

As you can see from the map below, 25 states reported ‘weak’ seller traffic, 21 states reported ‘stable’ seller traffic, 3 states and Washington D.C. reported ‘strong’ seller traffic, and only 1 state reported ‘very strong’ seller traffic. This means there are far fewer homes on the market than what is needed to satisfy the buyers who are out looking for their dream homes.

25 states reported weak seller traffic. Buyer demand is stronger than listing inventory which is causing prices to increase. Matthew Stewart Real Estate Team | Granite Bay | Roseville | Rocklin | Lincoln | Folsom | Sacramento

Bottom Line
Looking at the maps above, it is not hard to see why prices are appreciating in many areas of the country. Until the supply of homes for sale starts to meet buyer demand, prices will continue to increase. If you are debating listing your home for sale, meet with a local real estate professional in your area who can help you capitalize on the demand in the market now!


Matthew Stewart Real Estate Team gathered this information from “Keeping Current Matters”

(916) 718-2979

20 Quick Tips From People Who Are Winning With Money!!!

My beautiful wife and I recently completed Financial Peace University at our church – Bridgeway Christian in Roseville.  It was a wonderful experience that actually brought our entire marriage closer together.  Yes, we had argued about money prior to the course, and even more during the 9 week course, but it was revealing things that otherwise would not have been exposed on our own.  It forced us to verbalize our views and goals about money.  Now we have a unified goal and are moving together in the same direction.  I highly recommend the class.  It impacted us so positively that we are looking to be co-leaders for the next 9 week class in the Fall.  Come join us!  I receive Dave’s newsletter and thought I would pass along this article.

Financial Peace University really does work and you can join my wife and me at Bridgeway Church for the start of another 9 week schedule.  *No, this is not a picture of us! 😉

Do you ever get frustrated trying to figure out how much to tip?

Next time you’re out to eat and not sure how much to tip your waiter, try this: Double the tax. Depending on where you live, this number will be 12–20% of your total bill. Then you can increase as needed. So easy!

We can all benefit from a few quick money tips, so we asked people who’ve gone through Financial Peace University (FPU)—Dave Ramsey’s most popular nine-week class about money management—to share the most valuable lesson they learned.

Here’s what they had to say:

1. Keep your savings account at a different bank than your checking account.
“That way you don’t see your savings every time you log into your account. You won’t be tempted to transfer it or use it. Out of sight, out of mind!” — Michelle M.

2. Use the budget to help you reach fun goals.
A budget isn’t something you have to do because you’ve been bad. It’s something you do so you can be good. We’re going to Disney and paying cash!” — Alex S.

3. Only buy what you need (and can afford).
“Even though something is a good deal, it doesn’t mean you should buy it.” — Anne M.

4. What matters isn’t how much you’re allowed to borrow but how much you have in the bank.
“Who cares about my FICO score? I don’t.” — Hyunmee P.

5. Don’t let discouragement keep you from making a budget.
“There’s always hope when you have a plan.” — Brandon C.

6. Go old school and balance your checking account.
“This is essential! Balance your checking account so you know where you’re at and then begin with a basic budget. It’s all about taking baby steps.” — Kay N.

7. Give yourself some fun money so you’ll stay on budget.
“I was swiping my card for miscellaneous things. It turns out we were blowing the budget by $150 to $250 a month! I just needed to issue myself an envelope system for pocket money. Now I even have money left over at the end of the month!” — Rick M.

8. Say goodbye to all of your debt.
“I grew up with the misconception that having car loans, a house loan and student loans was something everybody did when they got older. I don’t consider myself debt-free simply because I don’t have any credit card debt. My husband and I are working at paying off all of our debt!” — Amy M.

9. Be patient with purchases—and with yourself.
“We learned to be patient while saving up cash to purchase a new appliance, go on vacation, or buy a car. We also spent over 20 years learning that debt was good, so it took some time to unlearn these things and replace them with new behaviors.” — Katherine E.

10. Get on the same team with your spouse.
“Sitting down together and going over the bills and budget has changed our marriage. There are no more fights about money. We budget together.” — Trina G.

11. Set up a savings fund for irregular expenses.
“My son had just started preschool when I took FPU, so we were in and out of the doctor’s office every week. I now set aside a few dollars in my budget each week for copay and prescription costs. This is a godsend!” — Sandy C.

12. Don’t believe everything society tells you about money.
“Debt can steal your future. It’s so important for kids to understand how to deal with money and debt—and what the consequences of their decisions will look like. You can make better decisions when you know all the facts.” — Susan K.

13. Be prepared for emergencies.
“Having an emergency fund for a rainy day will prevent you from getting a credit card and falling into debt.” — Hyunmee P.

14. Tell your money where to go.
“We learned the importance of a budget and telling our money where to go. It works! We’re now debt-free—that $89,000 owed is gone!” — Angelica A.

15. Put your long-term goals in the right order.
“Retirement should come before saving for my child’s college. I didn’t really think that through before taking the FPU class.” — Shawn H.

16. Use the envelope system.
“Pull money out of your account and put it in envelopes. If it isn’t in your envelope, you can’t use your debit card. We found when we stopped using envelopes for a month we busted our budget. Back to envelopes it is!” — Jennifer B.

17. Talk with your lender to solve any problems while you’re paying off debt.
“Always work with your credit card companies. My bank overcharged me interest, and after we talked, they ended up sending me a check.” — John S.

18. Embrace the power of cash.
“I bought several cars with cash and saved on the purchase price. Also, letting go of cash in hand hurts. I’ve walked away from many purchases in order to keep the cash in my hand.” — Desiree E.

19. Be generous.
“The most important lesson I learned in FPU was to set myself up to be a blessing to others—whether it’s by giving sound financial advice, helping people draft a monthly budget, or giving to someone anonymously.” — Alexander H.

20. Make daily decisions with the end goal in mind.
“The daily choices you make concerning your money dictate what options you will have. Sacrifice in the beginning reaps huge rewards in the end.” — Shelle C.


Matthew Stewart has been a full time real estate agent in the Greater Sacramento Area for over 18 years and has SOLD hundreds of homes.  If you have real estate questions or desire his expertise either as a seller or buyer, contact Matthew Stewart Real Estate Team

(916) 718-2979

THE #1 REASON TO LIST YOUR HOUSE TODAY! | Matthew Stewart Real Estate | Granite Bay | Roseville | Rocklin

The #1 Reason to List Your House Today!

Many people believe that selling their house during “the spring buyers’ market” is the best thing to do. Their reasoning is that there will be more buyers than there are during the winter months and, therefore, their house will sell quicker and for a higher price.

Historically, this made sense. However, today’s real estate market is not following the rules of the past.

The National Association of Realtors (NAR) measures buyer “foot traffic” each month. It receives data on the number of properties shown to a prospective purchaser by a Realtor® (based on the number of lockboxes used). The data reveals the number of buyers out actively looking for a home, not just window shopping on the internet. NAR explains:

“Foot traffic has a strong correlation with future contracts and home sales, so it can be viewed as a peek ahead at sales trends two to three months into the future.”

According to the latest Foot Traffic Report, buyer traffic is greater now than it was during this year’s spring market and there are more buyers out now than at any other time in the last five years (March of 2012).

The chart below shows that buyer activity over the last three months (blue bars) was greater than it was during this past spring market (green bars).





The #1 Reason to List Your House Today! | Keeping Current Matters | Matthew Stewart Real Estate Team | Top Producer | Roseville Real Estate Agent | Granite Bay | Rocklin Realtor


Bottom Line:

If you are waiting for next spring to list your home because you think that’s when the buyers will be out in force, perhaps you should reconsider.

Buyers are out right now!

For more information go here:






Ever dream of getting out of the traffic filled, fast paced lifestyle of the city and suburbs?

Now is your chance!





COMING TO THE MARKET SOON – this nearly 3,000 square foot home boasts 3/4 bedrooms, 3 baths, a detached 2 car garage with extra space, and sits on a fenced 5 acre parcel near a creek at the end of a private lane! All this for under $500K. Can you believe it? It won’t be available for long…get in touch with Matthew Stewart Real Estate Team at Realty World American River Properties for a private showing. (916) 718-2979 or visit our website at


Here are some tax implications to consider.

Thinking of Selling? Have you considered the possible tax implications?

Rent Out Vs. Sell: Homeowners Have a Taxing Decision

This is a guest post from H&R Block. The opinions and views are those of the author. Matthew Stewart Real Estate Team does not give tax advice. Since each homeowner’s tax situation is unique, you should always consult with and rely on the advice provided                                               by your tax advisor.

When it comes time to sell or rent out their home, homeowners should not only consider the real estate market and their home equity, but their taxes as well. That’s because some homeowners may face capital gain tax as high as 20 percent on some of the gain on the sale of their homes, while others can avoid that tax entirely. Whether or not a homeowner faces any capital gains tax on the sale of their home depends on the amount of their gain and how long and how recently they lived in the home.

A $250,000-$500,000 tax exclusion

The tax code excludes from tax the first $250,000 of gain from a home sale. For married taxpayers filing jointly, the maximum exclusion increases to $500,000. Many homeowners will not see that kind of gain on their home sale, especially after they take into account improvements they’ve made over the years, which add to their basis in the house. To qualify, an improvement must add to the value of the home, prolong its life or adapt it to new uses. Maintenance costs, such as painting the home, do not count as upgrades increasing a homeowner’s basis.

If a married couple bought a home for $150,000 in 1996 and sold this home in 2016 for $175,000, their gain is only $25,000 and well below the capital gain exclusion threshold, even before the homeowners take into account the value any improvements added to their basis in the home.

Other homeowners will need their qualified improvements to reduce their taxable gain. For example, if a single homeowner bought a fixer-upper for $100,000 at the bottom of the housing market and, after putting considerable work into the property and watching property values increase in his neighborhood over many years, sold the house for $400,000, he would potentially have to pay taxes on $50,000 in gain. But if he spent $150,000 to improve his home, such as adding a room and upgrading a kitchen, his gain is now below the exclusion threshold for single filers.

Homeowners have two requirements to meet before they can qualify for the exclusion, related to the length of time they lived in the home and how they used it. To qualify for the exclusion, a homeowner must have owned and lived in the home as their primary home for at least two of the previous five years.

Brief rental window before possible loss of tax exclusion

After the recent housing crisis, some homeowners who needed to move out of their homes, perhaps because of a new job, may have decided to rent them out until their houses’ value reached a certain point. Depending on how long they waited to sell, they may have lost their tax exclusion. Even if a homeowner owns and lives in their home for at least two years, but then rents out the home and sells it more than three years after moving out, they can no longer exclude any gain from the capital gains tax. Similarly, homeowners who are deciding between selling or renting out their house should take into account their long-term plans and their tax responsibilities. Renting out a home also has tax consequences and involves keeping detailed records of rental income and expenses.

As with all financial situations, homeowners need to consider more than just one factor, like their tax situation, when making important decisions like selling their home or renting it out. These decisions and consequences do not operate in a vacuum, but taxes are a big piece of the puzzle.

Kathy Tullius is a senior tax specialist for Block Advisors, specialists in personalized tax preparation, tax planning, small business taxes and year-round support, in Pacifica. Kathy provides expert tax advice and preparation support for taxpayers in the Bay area.

The DO’S and DON’TS when getting a home loan…| Matthew Stewart Real Estate

There are some clear things that you should DO and then some things that you definitely DON’T do when obtaining a home loan. Matthew Stewart of the Matthew Stewart Real Estate Team at Realty World American River Properties provides a list of the DO’S and DON’TS when getting a home loan.

Home Loan DOs and DONTs

Matthew Stewart Real Estate Team at Realty World American River Properties has been selling in the greater Sacramento Region, including Sacramento, Placer, and El Dorado Counties for 17+ years and has hundreds of homes SOLD success experience to work with you through the process of buying and selling.  Working with sellers and buyers in Roseville, Granite Bay, Rocklin, Loomis, Lincoln, Folsom, Fair Oaks, and many more surrounding cities, Matthew Stewart and his team have the knowledge and experience to get the job done for you.

LIVE AND PLAY IN GRANITE BAY | Matthew Stewart Real Estate | Granite Bay | Roseville




Granite Bay is an amazing community.  A best kept secret if you will, but the word is getting out and Bay Area Residents are making their way up to South Placer County to live and play!  Learn more about this great area in the video provided by Matthew Stewart Real Estate Team at Realty World American River Properties.

To look at the possibilities of living in this dynamic area, contact: Matthew Stewart – (916) 718-2979


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