Our mission is to help you transition into the next phase of your life while protecting your legacy.
Let's roll out the red carpet for you...
In the largest transaction of your life, you should feel like a VIP.
“Ninety percent of all millionaires become so through
owning real estate.”
- Andrew Carnegie
Hi, I am Nancy!
I am Nancy, a local Realtor and owner of Nancy Darnell Homes. If you are looking to buy or sell real estate, it would be my pleasure to represent you. I began my real estate career in Placer County and quickly found success when I purchased, renovated, and sold properties for myself. After buying and selling for myself, I found a passion for real estate and decided to help others buy and sell their homes. I am known for helping my buyers and sellers enjoy their real estate experience by putting their needs first. But I am most touted for outstanding client service, 24/7 availability, personal touches, and as a skilled, certified negotiator with my client's best interests at heart. I believe strongly that it is my duty to represent my clients to the best of my ability and educate them throughout every step of the process, armed with top-notch information and market insight, so that my clients make the best decision possible. I am honest, sometimes telling clients things they might not want to hear, hardworking and knowledgeable about the real estate industry, and working with top agents in the industry. Buying or selling one's home can be an overwhelming experience, but it doesn't have to be. It should be satisfying - even enjoyable. It's that reason I work diligently to find or sell your home in the right amount of time. I have nationwide connections and provide an excellent referral network. So if you, or anyone you know, would like assistance with any real estate need, please call me. If I can't personally represent you, I will carefully select an agent who specializes in your location and has the same passion I do for...YOU!
Hi, I am Oriana!
An assistant to Nancy. With a knack for seamless coordination and a commitment to excellence, I ensure our clients receive top-notch service. From handling administrative tasks to overseeing project management, I thrive in delivering satisfaction at every turn. Join us on our journey of collaborative success and exceptional service.
Hi, I am Rebeca!
Nancy's dedicated technology and marketing assistant. With a focus on seamless integration and optimization, I bring specialized expertise to enhance our projects. Join us as we navigate the intersection of innovation and efficiency under Benny's guidance.
Hi, I am Megan!
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It Begins Right Here.
Step 1
Get Prequalified
Imagine shopping on Black Friday without your wallet. By the time you got back, all of the best deals would be gone. That’s what it’s like shopping for a property without having proof of funds or a prequalification.
Step 2
Book Consult
Our consultation isn’t for us to brag about how awesome we are. Instead, it’s to focus on you and your goals, answer any questions and outline a game plan for your purchase. Our time together will make the process less stressful and save tons of time.
Step 3
Intake Form
Just like when you go to the doctor’s office, our intake form digs out all of the information we need to get you started. It will take about five minutes to complete and will make sure we never miss a detail.
Step 4
Find the One
Whether you decide to go the resale or new construction route, you can start shopping for the perfect property for your goals and your lifestyle.
Step 5
Learn to Negotiate
It’s no secret that this market has been competitive. As the market, trends and laws change, it’s important to go into the negotiation process fully educated. This workshop will help you navigate the market and the negotiation process so you can dominate it like a pro. The right Negotiating skills can be your secret weapon...
Step 6
Options
When making the right decision matters...
-Buyer Video Tips-
How Owning a Home Can Really Increase Your Wealth
Why You’ll Love Being a Homeowner
Why You May Want To Consider a Newly Built Home Today
Helpful Tips for First Time Homebuyers
3 Tips for Making Your Dream Home a Reality
Why Pre Approval Should Be Your First Step
Don't Fall into the Rental Trap
How Homeownership Multiplies Your Net Worth
Things to Avoid After Applying for a Mortgage
Determining Your Home Budget: What You Can Borrow vs. What You Can Afford
While your lender determines how much you can borrow, only you can decide what fits within your budget.
Lenders use formulas and averages to assess your qualifications, but they don’t account for the unique details of your lifestyle and spending habits. To stay financially comfortable, leave some room for unexpected costs—whether it's furnishing your new home, landscaping, or handling repairs.
Traditionally, banks have used the 28/36 rule to determine loan eligibility. This means a borrower’s housing payment shouldn’t exceed 28% of their gross monthly income, while total debt—including car loans, student loans, and credit cards—should stay below 36%.
In Canada, lenders follow similar guidelines, with the Gross Debt Service (GDS) ratio capped at 32% of gross monthly income and the Total Debt Service (TDS) ratio limited to 40% of total debt. However, as home prices have increased, some lenders now extend these ratios to as much as 50%.
While this flexibility may seem appealing, it’s important to carefully consider how much financial strain you’re willing to take on. Your long-term stability and peace of mind should be the top priority when determining what you can truly afford.
SOLD
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