Melanie Campbell, Mortgage Advisor, 536 Davis Street, Vacaville, CA (2026)

06/28/2025

Open House! Amy Hansen and I will be holding 831 Bluewater Drive in Browns Valley open this Sunday, 6/29/25 from 12pm-2pm!

Welcome to this beautifully updated 4-bedroom home in the sought-after Browns Valley community. From the moment you arrive, you’ll be greeted by great curb appeal, a freshly painted exterior, and a stylish new front door with smart lock for added convenience and security. Inside, the open and airy floorplan is filled with natural light and features a desirable first-floor primary suite. Enjoy elegant touches throughout, including plantation shutters, quartz countertops, laminate flooring, and a newly renovated bathroom. Just minutes from Ridgeview Park and Browns Valley School, this home combines comfort, style, and location. Don’t miss your chance to see it—this one won’t last!

4 bed | 2.5 bath | 1,679sf | 0.1014 acre
Offered at $640,000

Listing by Amy Hansen at Realty ONE Group Fox
707-689-3634
Lic: 01206871
[email protected]

06/23/2025

🏡 Solano County Market & Mortgage Update
As a mortgage broker, I’m watching the local housing and lending landscape closely—and right now, Solano County is offering both opportunities and challenges for buyers and sellers. Let’s break it down:

📊 Market Snapshot
• Median Home Price: Around $591,700, up about 0.9% year-over-year
• Homes for Sale: Inventory has climbed to approximately 1,143 active listings, up over 11% from April
• Time on Market: Homes are going pending in roughly 24 days—buyers are still acting quickly

💡 What This Means for Buyers
📈 More Homes to Choose From
With inventory increasing, buyers have more negotiating power and options than earlier this spring. That said, competition is still real—homes are going pending in under a month.
💰 Rates Have Dipped Slightly—Time to Strategize
If you’ve been holding out for better rates, this could be your moment. We’re seeing a small dip in mortgage rates, and locking in now with tools like rate buydowns, temporary buydown programs, or adjustable-rate mortgages can help stretch your budget.
✅ Pre-Approval is Your Best Weapon
Homes are still moving quickly. If you’re serious about buying, get pre-approved—it gives you clarity and leverage when you’re ready to make an offer.

💼 What This Means for Sellers
🎯 More Inventory Means More Competition
Buyers have options—so smart pricing and clean presentation are crucial.
🔑 Financing Incentives Can Seal the Deal
Many buyers are feeling the pressure of high rates. Offering seller-paid rate buydowns or closing cost assistance can make your listing far more attractive.
📦 Quick Closings Are Still Common
With many buyers already pre-approved, deals are still happening fast. Be ready to move quickly when offers come in.

🔮 Looking Ahead: Late June & Early Summer
• Rates: Expected to stay in the upper 6% range; small fluctuations could trigger bursts of buyer activity
• Market Pace: Still quick, but buyers will be more selective and price-sensitive
• Strategy is Key: Whether you're buying or selling, lender flexibility and creative financing solutions will play a major role in getting deals done this summer

06/16/2025

🏡 Solano County Housing & Mortgage Market Update – Mid-June 2025
As a mortgage broker, I keep a close eye on both real estate trends and interest rates—because your financing power matters just as much as home prices. Here’s what’s happening in the local market and what it means for you as a buyer or seller.

📊 Market Snapshot
• Median Home Price: ~$591,700 — holding steady with a modest 0.1% increase from last year
• Homes for Sale: Inventory climbed to about 1,051 listings in May, up 11.5% from April
• Time on Market: Homes are going pending in just 24–27 days—buyers are moving quickly
• Mortgage Rates: The average 30-year fixed is around 6.85–6.95% (as of mid-June), slightly lower than early May

🔍 What This Means for Buyers
📈 More Inventory = More Choices
Buyers are finally seeing more options hit the market, which means less competition and more negotiating power.
💸 Rates Are Still High, but Stabilizing
Mortgage rates are hovering just under 7%, which is high compared to a few years ago—but they’ve dipped slightly in June. Now’s a good time to explore strategies like rate buydowns, adjustable-rate mortgages, or lender credits to make the most of your purchase power.
✅ Pre-Approval is Your Power Move
In a fast-moving market, being pre-approved not only helps you act quickly—it gives you an edge with sellers. I can help you get fully prepped to make a strong offer with confidence.

💼 What This Means for Sellers
🏠 More Listings = More Competition
With inventory up, buyers have more to choose from—so pricing your home correctly and offering financing-friendly terms can set you apart.
💡 Want to Attract More Buyers?
Consider offering a rate buydown or closing cost credit—in today’s rate climate, this can make a huge difference to buyers and get your home sold faster.
🔍 Work With Your Lender + Realtor Team
I work closely with agents to help sellers understand what financing options are attracting serious buyers in today’s market—because a smooth sale starts with smart strategy.

06/09/2025

🏡 Solano County Market Update — June 2025
💰 Median Home Price: $585,000 (up ~0.9% YoY)
🏠 Inventory: +11.5% since April—more homes to choose from
⏳ Days on Market: ~41 days—faster sales but still room to negotiate
📉 Sale-to-List Ratio: ~100%, with ~40% selling below asking

🔑 What This Means for Buyers:
• More Choices = More Leverage
With inventory rising, buyers have more negotiating power. That means opportunities to ask sellers to cover some closing costs or offer concessions.
• Rate Sensitivity Remains Key
Rates are hovering around 6.85%–7%—still higher than many buyers hoped for. But this also means fewer bidding wars and more room for creative financing solutions, like temporary buydowns or adjustable-rate options.
• Talk to a Pro Early
Get pre-approved and discuss strategies like permanent rate buydowns or seller credits to manage monthly payments.

🔑 What This Means for Sellers:
• Competitive Pricing Matters
Buyers are cautious and sensitive to both price and payment. Homes are selling at or near asking, but ~40% sold under—overpricing could backfire.
• Think Like a Buyer
Consider offering rate buydowns or other incentives to keep your home attractive as interest rates impact affordability.

📌 Bottom Line:
Solano County’s June market is more balanced but slightly tilting toward buyers. With rates still on the higher side, smart financing strategies can make or break a deal. Let’s chat about ways to make homeownership more affordable—and get you moving with confidence.
📲 DM me to talk rates, pre-approvals, and creative financing options! 💬

05/26/2025

🇺🇸 This Memorial Day, I’m remembering the heroes who gave everything for our country. Coming from a military family—my grandfathers, fathers, and both of my brothers served—my gratitude for the courage and service of our heroes runs deep. Today and always, we honor their sacrifice.

05/19/2025

🏡 Solano County Market & Mortgage Update – Mid-May 2025
The spring market is in full swing, and if you’re thinking about buying or refinancing, here’s what’s happening right now in Solano County—and how it might affect your mortgage strategy:

📊 Market Snapshot
• Median Home Price: Currently around $587,798, a slight increase over last year, reflecting steady growth.
• Homes for Sale: Inventory has climbed to about 1,170 homes, giving buyers more options than we’ve seen in months.
• Time on Market: Homes are going pending in about 27 days, so the market is moving fast!
• Mortgage Rates: The average 30-year fixed rate is now around 6.81%, the highest we’ve seen since late April.

💡 What This Means for Buyers
More listings mean more opportunities—but with rates up, your monthly payment could be higher than expected. This is why getting pre-approved is more important than ever. It gives you a clear budget and shows sellers you’re serious. I can help you explore your options, including rate buydowns or creative financing to help ease the cost.

💼 What This Means for Sellers
Buyers are active, but inventory is growing—so it’s key to price right and consider offering incentives like rate buydowns or closing cost credits. I’m here to partner with you and your agent to help structure offers that work for today’s buyers.

📲 Let’s Talk Strategy
Whether you're buying, refinancing, or just exploring what’s possible, I’m here to help you navigate the market with confidence. Reach out any time for a personalized game plan!

05/12/2025

💼 Solano County Real Estate & Mortgage Market Update – May 2025 🏡
As your local mortgage expert, I’m here to break down what’s happening in the Solano County housing market and what it means for your home financing plans ⬇️

📊 Market Snapshot
• Median Home Price: Around $585,000, showing a slight increase from this time last year
• Homes for Sale: Inventory climbed to 975 homes in April — up 9.1% from March, which is great news for buyers
• Time on Market: Homes are selling in about 49 days, slightly slower than last year, which could create more breathing room for buyers
• Mortgage Rates: The average 30-year fixed rate is holding steady around 6.64% — not as low as previous years, but consistent and with potential to ease later in 2025

🔑 What This Means for Buyers
More listings mean more opportunities — but pre-approval is still a must! With rates stable and competition still present, being financially ready puts you in a powerful position to move quickly and confidently.

🏠 What This Means for Sellers
Even with more homes on the market, well-priced properties are still moving. Buyers are active and serious, especially when sellers offer flexibility or help with closing costs. If you’re planning to sell, now’s a great time to prepare and position yourself competitively.

📲 Let’s Talk Strategy
If you’re thinking of buying, refinancing, or just want clarity on your loan options — I’m here to help make your next move smooth and smart.

05/05/2025

💼 Solano County Real Estate & Mortgage Market – May 5, 2025 🏡🌸

Thinking about buying or selling this spring? Here’s what you should know ⬇️
📊 Median Home Price: ~$587,800 (up slightly from last year)
🏠 Homes for Sale: 975 available in April — more options for buyers!
⏳ Time on Market: Homes are selling fast — avg. 27 days!
💰 Mortgage Rates: Around 6.7% for a 30-year fixed
🔑 For Buyers:
More homes = more choice, but they’re going fast! Getting pre-approved gives you a major edge.

If you’re ready to make your move — let’s talk strategy and find the best loan option for you! 📲

04/28/2025

💼 Solano County Real Estate Update – April 2025

From your local mortgage expert!

The spring market is picking up, and it’s bringing more opportunities for buyers and sellers! Here’s the latest:
📊 Median Home Price: Around $587,800, a slight increase from last year
🏠 Homes for Sale: About 1,143 homes were available in March — up 13.7% from February, giving buyers more options
⏳ Time on Market: Homes are selling in an average of 43 days, faster than this time last year
💬 What about mortgage rates?
Rates are currently averaging around 6.7% for a 30-year fixed mortgage. While rates are higher than a few years ago, they have remained relatively stable this spring — and many experts expect them to gradually decline later this year. Locking in now could be a smart move, especially if you plan to refinance when rates eventually drop!

🔑 What this means for you:
With more homes available and rates holding steady, it’s a great time to get pre-approved and position yourself to act quickly when you find the right home. Having your financing lined up can give you a big advantage in today’s competitive market.

📲 Ready to get started? Let’s chat about your home loan options and build a strategy that fits your goals!

04/25/2025

🎶 It’s Tricky to rock a rhyme… 🎶 but it’s NOT tricky to know the difference between a Realtor® and a Lender 😄👩‍💼 Realtor®: Helps you find the one 🏡💰 Lender: Helps you fund the one 💵We’re two halves of your homebuying dream team! 🛠️❤️

04/24/2025

Had an amazing time serving on the event subcommittee for the Vacaville Police Foundation’s Bootlegger’s Beat fundraiser! 🥃🎶 It was such an honor to help bring this unforgettable night to life, all in support of the VVPD and the incredible work they do for our community.

Huge thanks to the Vacaville Police Department for your service. 💙

04/21/2025

💼 Solano County Real Estate Update – April 2025 🏡
From your local mortgage expert!
Spring is here and the housing market is moving! If you're thinking about buying, here’s what you should know:
📊 Median Home Price: ~$585,000 — a slight increase from last year
🏠 Homes for Sale: Inventory is up, with 1,143 homes on the market in March (a 13.7% jump from February!)
⏳ Time on Market: Homes are selling quickly — averaging just 43 days
🔑 What this means for you:
More homes = more opportunity. But with things moving fast, having your financing in place is key. Getting pre-approved now helps you act quickly and confidently when the right home pops up.
If you're ready to start your homeownership journey — or just want to explore your options — I'm here to help every step of the way.
📲 Send me a message and let’s get you set up for success!

Melanie Campbell, Mortgage Advisor

06/28/2025

06/23/2025

06/16/2025

06/09/2025

05/26/2025

05/19/2025

05/12/2025

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04/28/2025

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04/21/2025

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