STYLE MAGAZINE-OCTOBER 2022 READERS CHOICE AWARD WINNERS-ALLSTARS_EL DOROAD COUNTY FOOTHILLS
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SPECIAL ADVERTISING<br />
SECTION<br />
Diane Wilkinson<br />
530-622-0799 | dianewilkinson@sbcglobal.net<br />
dianewilkinsoncatering.com<br />
12<br />
YEARS WON!<br />
Elder Options, Inc.<br />
82 Main Street | Placerville | 530-626-6939<br />
elderoptionsca.com | @elderoptionsinc<br />
4<br />
YEARS WON!<br />
A Life Lived<br />
Fully Every Day.<br />
Since 1988<br />
HAILEYAYSON.COM FOR REALWEDDINGSMAG.COM<br />
Thank you for voting us #1 Best Wedding Caterer in the region!<br />
With more than 20 years in as a full-service catering company<br />
ranging from box lunch drop-off to full-plated service, Diane<br />
Wilkinson Catering continues to serve a diverse clientele and<br />
offer each of our customers a unique experience. Diane was<br />
an early proponent for green catering, and as a self proclaimed<br />
“locavore”, despises waste and loves local and organic foods.<br />
If Diane is not in her kitchen working on a new recipe, she is<br />
out in her 1/4 acre, all-organic garden planting and picking<br />
for your event. She resides in her foothill home, while serving<br />
our clients’ catering needs throughout El Dorado County,<br />
Sacramento, San Francisco, Tahoe, and Northern California.<br />
We’re honored to be voted one of the Best Home Health Care<br />
businesses in the region!<br />
In 1988, Carol Heape envisioned a company where older adults<br />
and their families could find help. Now 34 years later Elder<br />
Options, Inc.—led by Elizabeth Heape Caldwell— has grown to<br />
serve clients throughout the Sacramento Region. Care Managers<br />
help to identify what’s available, the costs and how it can help.<br />
A large home care component allows individuals the ability to<br />
remain at home with trained, reliable help. Contracts with CA<br />
DHCS, Alta Regional Center, M.S. Society, EDC HHS and VA further<br />
enhance services to clients. Call us today to find out how we’re<br />
different, and what we can do to help you!<br />
Home Equity<br />
Line of Credit Loan<br />
5 YEAR FIXED RATE<br />
5.00 %<br />
Initial APR*<br />
CHECK THE<br />
<strong>EL</strong> DORADO ADVANTAGE:<br />
✓ FIXED RATE for 5 Years<br />
✓ Local Processing & Servicing<br />
✓ No Closing Costs on Qualifying Transactions<br />
✓ Flexibility and Convenience<br />
✓ Have Funds Available for Current and Future Needs<br />
✓ Home Improvement, Debt Consolidation, College Tuition<br />
✓ Interest May be Tax Deductible (Please consult your tax advisor)<br />
15<br />
YEARS WON!<br />
Janine Waggener, Realtor<br />
111 Main St. | Placerville<br />
530-295-5509 | www.janine4real.com<br />
12<br />
YEARS WON!<br />
Serving our local communities for over 60 years<br />
<strong>EL</strong> DORADO HILLS • 3963 Park Drive • 916-933-3002<br />
CAMERON PARK • 4060 Cameron Park Drive • 530-677-1601<br />
CARMICHA<strong>EL</strong> • 4701 Manzanita Ave. • 916-481-0664<br />
PLACERVILLE • 4040 El Dorado Road • 530-622-1492<br />
PLACERVILLE • (Downtown) 247 Main Street • 530-622-0833<br />
W. PLACERVILLE • 2888 Ray Lawyer Drive • 530-626-3400<br />
www.eldoradosavingsbank.com<br />
NMLSR ID 479256<br />
800-874-9779<br />
*The initial Annual Percentage Rate (APR) is currently 5.00% for a new Home Equity Line of Credit (H<strong>EL</strong>OC),<br />
and is fixed for the first 5 years of the loan which is called the draw period. After the initial 5 year period,<br />
the APR can change once based on the value of an Index and Margin. The Index is the weekly average<br />
yield on U.S. Treasury Securities adjusted to a constant maturity of 10 years and the margin is 3.50%. The<br />
current APR for the repayment period is 6.25%. The maximum APR that can apply any time during your<br />
H<strong>EL</strong>OC is 12%. A qualifying transaction consists of the following conditions: (1) the initial APR assumes a<br />
maximum H<strong>EL</strong>OC of $200,000, and a total maximum Loan-to-Value (LTV) of 70% including the new H<strong>EL</strong>OC<br />
and any existing 1st Deed of Trust loan on your residence; (2) your residence securing the H<strong>EL</strong>OC must<br />
be a single-family home that you occupy as your primary residence; (3) if the 1st Deed of Trust loan is<br />
with a lender other than El Dorado Savings Bank, that loan may not exceed $300,000, have a total<br />
maximum loan-to-value (LTV) of 65% and may not be a revolving line of credit. Additional property<br />
restrictions and requirements apply. All loans are subject to a current appraisal. Property insurance is required<br />
and flood insurance may be required. Rates, APR, terms and conditions are subject to change without notice.<br />
Other conditions apply. A $525 early closure fee will be assessed if the line of credit is closed within three<br />
years from the date of opening. An annual fee of $85 will be assessed on the first anniversary of the H<strong>EL</strong>OC<br />
and annually thereafter during the draw period. Ask for a copy of our “Fixed Rate Home Equity Line of Credit<br />
Disclosure Notice” for additional important information. Other H<strong>EL</strong>OC loans are available under different terms.<br />
Why is Janine your best choice for a Real Estate Pro? A<br />
high-lister, Janine is not afraid to reach for the highest<br />
price possible, putting more money in area sellers’ pockets!<br />
Buyers also benefit from her savvy negotiation skills and<br />
expert advice! Online reviews say it all: Janine’s expertise<br />
has earned her a 5-Star rating across the board on Zillow,<br />
Yelp, Realtor.com and Google. Janine’s Buyer’s agent, Ashley<br />
Weber, is also knocking it out of the park providing great<br />
customer care for home buyers. Janine is thrilled to be<br />
selected as one of the Readers’ Choice Best Realtors, once<br />
again, this year!
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