When the appraisal came in $33,000 under contract, most would have renegotiated or walked. We didn't.

On this episode of Selling Sacramento, I walk through a real North Oak Park transaction where the first appraisal got it wrong — wrong comps, wrong micro-market, and a failure to account for a 2025 rebuild. The standard Reconsideration of Value came back unchanged. Supervisory review came back unchanged. And still, the valuation was flawed.

Here's what happened next — and why the original appraisal was ultimately invalidated, a second appraisal ordered at no cost to the borrower, and the contract price fully supported.

This is what disciplined advocacy looks like. This is why comp selection, effective age, and lender partnership matter. And this is why sellers need representation that doesn't stop at the first "no."

Listen in.

— Kee

California launched the California Dream For All Shared Appreciation Loan Program to help first-generation homebuyers overcome one of the biggest barriers to homeownership: the down payment.

The program, administered by the California Housing Finance Agency (CalHFA), provides up to 20 percent down payment assistance through a shared appreciation loan. For many families, it creates a pathway into homeownership that might otherwise take years to reach.

The 2026 registration window closes Monday, March 16, and demand across California is already extremely high.

In this episode of Selling Sacramento: Market Clarity with Agent Kee, I sit down with Tanisha Broadway, a CalHFA participating lender with Element Mortgage, to break down how the program works, who qualifies, and what buyers must do before the deadline.

We also examine a critical question emerging in early application trends. Many lenders are reporting that applicants often already have strong financial profiles, significant savings, and high credit scores. If a program designed to expand access is primarily reaching buyers who are already financially positioned, what does that mean for communities still working to close the homeownership gap?

This conversation explores:

• How the Dream For All program works
• Eligibility requirements for first-generation buyers
• Steps to register before the March 16 deadline
• Why awareness and financial preparation matter
• The role programs like this play in closing the generational wealth gap

Homeownership remains one of the most powerful tools for building long-term wealth. Access to the right information can make the difference between watching opportunity pass by and being prepared when the door opens.

If you or someone you know may qualify, this episode will help you understand the program and what steps to take next.

Guest:
Tanisha Broadway, NMLS #700482
Element Mortgage
[email protected]
916-671-6299

That's our show for today. Thank you for spending this hour with me. Please follow this show Selling Sacramento: Market Clarity with Agent Kee on Spotify. It really helps! And remember, if you are doing what you were created to do, I will see you at the top.

The Housing for the 21st Century Act has passed the U.S. House of Representatives with strong bipartisan support and now moves to the Senate.

What does this mean for the housing market?

In this episode of Selling Sacramento: Market Clarity with Agent Kee, we break down what this bill actually addresses:

• Federal environmental review timelines• Modernization of HOME and CDBG programs• Updated FHA multifamily loan limits• Manufactured housing recognition• Small-dollar mortgage pilot programs• Community bank regulatory adjustments

This bill focuses on housing supply — not demand. It aims to improve how housing gets approved, financed, and delivered across the country.

We’ll walk through where the bill stands right now, what happens next in the Senate, and how federal policy can influence housing availability over time — including what that could mean for markets like Sacramento.

Understanding structure leads to better decisions.

Please follow this show Selling Sacramento: Market Clarity with Agent Kee on Spotify. It really helps!

Sacramento’s housing market has slowed in pace, yet prices remain supported. This episode explains why.

Inventory in Sacramento County remained between 1.7 and 2.5 months for most of 2025. Even as days on market increased, overall supply never expanded to levels that typically produce broad price declines. New construction continues at a measured pace. Land availability is limited. Zoning changes take time. Labor and material costs remain elevated. These structural realities keep supply constrained.

At the same time, demand has not disappeared. Household formation continues. Sacramento has experienced steady in-migration from higher-cost regions. A large share of the population remains in prime household-forming years. The region’s employment base supports income stability, reinforcing long-term housing demand.

This episode walks through:

• What supply actually means in practical housing terms

• Why limited inventory continues to support pricing

• The difference between longer days on market and price weakness

• How scattered-site development and infill contribute gradually

• Why demand remains present even when rates shift behavior

• How pricing adjusts within a constrained market

Understanding how supply and demand interact provides clarity. Housing markets adjust through time and negotiation before they adjust through price.

The objective is informed expectations grounded in structure, not headlines.

Next week’s episode:

Housing Policy Shapes Availability Before It Shapes Price

This episode continues the conversation on how today’s interest rate environment is shaping buyer and seller decisions—especially at higher price points.

Buyers have not disappeared. They are moving with discipline. Sellers are being asked to meet the market with accuracy. This episode focuses on how real buying power is evaluated, how necessity transactions are driving activity, and how to read the data correctly.

Episode timestamps:

2:48 – How buyers are running their numbers more carefully
Necessity transactions versus FOMO-driven decisions, and why discipline has replaced urgency.

6:50 – Sacramento home sales: November 2025 vs December 2025
Why more homes sold in December than November, what longer Days on Market actually means, and how buyer behavior explains the shift.

9:48 – COVID-era rates: then and now
How the low-rate environment of 2020 reshaped equity, affordability, and inventory—and why its impact still matters today.

13:18 – Market reaction to Donald Trump’s January 8 statement on mortgage bonds
The brief lift in agency MBS prices following calls for Fannie Mae and Freddie Mac to purchase $200 billion in mortgage-backed securities, why analysts viewed the move as modest, and how subsequent market volatility erased those gains.

18:09 – How rates are changing high-end buyer behavior
Payment sensitivity, structure, and why higher-price buyers are prioritizing flexibility and long-term alignment.

22:53 – A special note to high-end sellers
Pricing accuracy, buyer expectations, and how to position properly in a disciplined market.

25:50 – Finance tools for the high-end buyer
Considerations for business owners, investors, and buyers with complex income or tax structures.

This episode is designed to provide context, not commentary. The goal is better decisions through clearer interpretation of the market signals.

🎧 Available now wherever you listen to podcasts.

#SellingSacramento #MarketReality #SacramentoHousing #MarketClarity #RealEstateEconomics #HousingStrategy #FromLandToLegacy

In this episode of Selling Sacramento, I break down what is actually happening in the Sacramento housing market right now.

Headlines are creating confusion, but the data tells a more disciplined story. Inventory remains low, pricing is holding when homes are positioned correctly, and buyers are moving with intention—not panic. Days on Market have increased, signaling scrutiny and selectivity rather than a lack of demand.

This episode helps buyers and sellers set realistic expectations, understand current market dynamics, and make informed decisions without reacting to misinformation.

If you are navigating the Sacramento market and want clarity instead of noise, this conversation will give you context that headlines often miss.

In this segment, Agent Kee breaks down five compelling reasons homeowners choose to sell regardless of interest rates, market trends, or economic conditions. From life changes like divorce or downsizing, to financial strain, military relocations, inherited properties, and the burden of upkeep—these are the real-life motivations behind many moves. Whether you're a buyer, seller, or industry professional, this episode offers insight into why the market never truly stops.

#WhySellersSell #RealEstateInsights #MarketTrends #LifeChanges #EstateSales #HomeSellingTips #SellerMotivation #AgentKee #SacramentoRealEstate #SellingSacramento

In this special episode, Agent Kee shares the personal story behind her commitment to the Homes for Heroes program. She reflects on her father’s legacy as a proud U.S. Marine and later a dedicated Red Cross employee—two roles rooted in service and sacrifice. This episode honors those who give so much to our communities, and why helping heroes—nurses, teachers, first responders, military, and more—achieve homeownership is more than just business. It’s personal.

#HomesForHeroes #VeteranSupport #MarineLegacy #RealEstateWithHeart #ServiceMatters #FirstResponderHousing #YourMissionMyExpertise #AgentKee #SellingSacramento #MilitaryHomebuyers

In this episode, Agent Kee recaps the powerful return of the SC100 Learning Lab held on April 26th. After nearly eight months, the lab came back stronger than ever with over 30 attendees, expert-led sessions, real-world tools, and a community committed to building generational wealth through homeownership.

From mindset breakthroughs and budgeting strategies to deep dives on mortgages, down payment assistance, and credit readiness—this lab was more than a workshop, it was a movement. Tune in to hear what made this day unforgettable and how lives are already being transformed.

#SC100 #LearningLab #SacClub100 #HomeownershipJourney #FinancialEmpowerment #RealEstateEducation #SacramentoRealEstate #YourMissionMyExpertise #AgentKee #SellingSacramento

In this episode of Selling Sacramento on 97.5 FM KDEE, Keisha “Agent Kee” Mathews breaks down the top five reasons buyers are still saying yes to homeownership—regardless of market conditions. From stability and wealth building to lifestyle needs and personal pride, you'll hear the real motivations behind why buyers move forward in any season.

Keisha also highlights this Saturday’s Sac Club 100 Learning Lab, where top agents and lender partners come together to equip future homeowners with personalized strategies, resources, and long-term support.

Whether you’re renting, preparing to buy, or just curious, this episode will give you clear insight on what drives buyers and how to get started on your own path to ownership.

📍Stay tuned—part two of this conversation airs in two weeks and will cover why sellers sell, even when conditions seem tough.

Ready to take the next step?
👉 Visit JoinClub100.com to RSVP for this Saturday’s Learning Lab.
👉 Learn more at AgentKee.com

Your Mission.🎯 My Expertise.™🏠🔑🧭
#SellingSacramento #AgentKee #SacramentoRealEstate #YourMissionMyExpertise