10 Things You Need to Know
Before Buying Rural Property
Featuring the communities of Cool, Pilot Hill, Greenwood, Georgetown and Garden Valley, California, however the insights provided can apply to almost anywhere in California!
Buying rural property is exciting—but it’s not the same as buying in town. From wells and zoning to insurance and loan programs, there’s a lot to consider. This free webinar will walk you through the 10 most important things you need to know before making your move.
Register for the FREE Webinar
Tuesday, September 23rd @ 10:00 AM
What to expect from this webinar
🌲 FIRE RISK & INSURANCE PREP
Learn what to ask about defensible space, local ordinances, and insurance requirements in high-risk zones, before you fall in love with a property that might be uninsurable.
đź’§ AVOID COSTLY SURPRISES
Understand how wells, septic systems, and zoning rules can affect your budget, timeline, and ability to build or renovate.
đźš— KNOW YOUR ROADS
Get clarity on private road access, easements, and maintenance responsibilities—so you’re not stuck with unexpected costs or limited access.
đź’° FIND THE RIGHT LOAN
Discover which financing programs actually work for rural properties, including USDA, VA, FHA, Conventional, Land and Construction Loans
🗺️ ZONING AND LAND USE CLARITY
Explore how local restrictions impact future development, ADU potential, and long-term property value.
🔌UTILITY REALITY CHECK
Know what’s available—and what’s not—when it comes to power, propane, internet, and backup systems in foothill communities.
🏦 APPRAISAL RED FLAGS
Spot the issues that can derail your loan or lower your property value before you make an offer.
🤝 WHY LOCAL EXPERTS MATTER
See how agent-lender-insurance collaboration can make or break your foothill purchase—and why working with locals gives you an edge.
Don't make the mistakes, attend the FREE online webinar!
Hosted by Professionals who live and work in the Foothills
THERESA DUVALL
Realtor, Premier Foothill Properties Inc.
Over 22 years of experience helping buyers and sellers across El Dorado, Placer, Sacramento, and Nevada counties
EDCAR Lifetime Top Achiever and active community member (Divide Chamber of Commerce, RCC)
Specializes in vacant land, rural homes, and foothill properties with deep local insight
Premier Foothill Properties, Inc.
3006 Hwy 49, Suite E,
Cool, CA 95614
CalDRE Lic. #01904277 & #01421932
KEVIN MATHEWS
Mortgage Broker, Empire Home Loans, Inc.
U.S. Air Force Veteran & mortgage broker with over 30 years of experience in rural lending, formerly founder of Mathews Mortgage, Inc. in Cool, CA
Personally arranged thousands of loans—including land, construction, purchase, and refinance—for foothill buyers and families
Host of Home & Finance Insights podcast, sharing expert strategies to empower homeownership
530.401.3703
Empire Home Loans, Inc.
4401 Hazel Ave., Ste. 225,
Fair Oaks, CA 95628
NMLS #234253 & 1839243
CalDRE #00884691 & 02086593
RYAN NUTTALL
Farmers Insurance Agent, Cameron Park, CA
Seasoned insurance agent with over 17 years of experience, proudly helping clients throughout Northern California
Specializes in helping home buyers and real estate investors protect what matters most
Brings a deep understanding of homeowner and landlord policies, including coverage strategies for rural and remote properties
Ryan J Nuttall Insurance Agency
3330 Cameron Park Dr, #950,
Cameron Park, CA 95682
CA License #0F94535
Start Your Rural Buying Journey Today.
Equal Housing Opportunity. Equal Housing Lender. Refer to www.nmlsconsumeraccess.org to see additional licensing information. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.