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Gloria Torres
4030 Truxel Road, Suite C2 Sacramento, CA 95834
Mobile: (916) 247-4072 Email Gloria

Looking for Down Payment Assistance?


Did you know that there are hundreds of millions of dollars available across the country through homebuyer programs? These homebuyer assistance programs include down payment and closing cost assistance, affordable first mortgages, rehab loans, and first time homebuyer down payment assistance, plus many others.  The Down Payment Resource automated down payment assistance program finder does the research for you and quickly matches you with specific homebuyer assistance programs for which you may be eligible.

With Down Payment Resource, you’ll learn:

  • The total number of homebuyer programs available to you
  • The name of each program
  • The amount of down payment assistance available
  • How to use this information when shopping for a home
  • Your next steps to learn more and apply for the program
    Call me if you are interested and I can have a lender contact you.

 

PROGRAMS NOT JUST FOR FIRST-TIMERS


Homes for Sale



Browse these homes for sale in Sacramento, California and the surrounding areas to find the perfect home!  View virtual tours, send my listings to family and friends, and use my exciting map search!

Can't find what you're looking for? No problem.  Try my Home Search absolutely FREE!  Not only will you be notified by email of all our new listings that match your search criteria, but your homes search will find other featured homes for sale in Sacramento by other local real estate agents.


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Arden
"Office/In law quarters"
MLS $595,000
"Large Lot"
Address: 3001 Northrop Ave
City: Sacramento
Size: 2000 sq. ft.
Style: Single Story
Type: Residential
Year Built: 1958
Bedrooms: 3
Bathrooms: 3
MLS#: 14069638

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Gold Ridge
Address: Pollock Pines Highlights
City: Pollock Pines
Style: 1 1/2 Story
Type: Residential

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Placerville
"Old Hangtown"
"Downtown Placerville"
Address: Downtown Placerville Highlights
City: Placerville
Style: 1 1/2 Story
Type: Residential

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Camino
"Camino Photo Highlights"
Address: Camino Highlights
City: Placerville
Style: Single Story
Type: Residential

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Monterey Oaks $84,000
Address: 6130 Monterey Rd #33
City: San Jose
Size: 1440 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1972
Bedrooms: 3
Bathrooms: 2

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Town & Country Mobile Home Park $109,000
Address: 195 Blossom Hill Rd #236
City: San Jose
Size: 1008 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1970
Bedrooms: 2
Bathrooms: 2

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Monterey Oaks $119,000
Address: 6130 Monterey Rd #280
City: San Jose
Size: 1440 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1975
Bedrooms: 2
Bathrooms: 2

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Coloma Townehomes
"Awesome upgrades"
MLS $137,000
"Just Listed"
Address: 1920 Benita Dr #4
City: Rancho Cordova
Size: 1116 sq. ft.
Style: 2 Story
Type: Residential
Year Built: 1972
Bedrooms: 3
Bathrooms: 2
MLS#: 15021685

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Lamplighter Mobile Home Park $139,000
Address: 4201 N First St #510
City: San Jose
Size: 1248 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1997
Bedrooms: 3
Bathrooms: 2

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Chateau La Salle $139,000
Address: 398 Chateau La Salle Dr
City: San Jose
Size: 1640 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1979
Bedrooms: 2
Bathrooms: 2

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Placerville $149,000
Address: Pleasant Ranch, Placerville, CA
City: Placerville
Style: Single Story
Type: Lots and Land

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Magic Sands Mobile Home Park $155,000
Address: 165 Blossom Hill Rd #106
City: San Jose
Size: 1380 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1998
Bedrooms: 3
Bathrooms: 2

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North Highlands $159,000
Address: 4016 Santa Fe Way
City: North Highlands
Size: 925 sq. ft.
Style: Single Story
Type: Residential
Bedrooms: 3
Bathrooms: 1

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Sacramento MLS $159,000
Address: 7251 Jerry Way
City: Sacramento
Size: 955 sq. ft.
Style: Single Story
Type: Residential
Year Built: 1958
Bedrooms: 3
Bathrooms: 1
MLS#: 15008189

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Chateau La Salle $169,000
Address: 452 Chateau La Salle Dr
City: San Jose
Size: 1500 sq. ft.
Style: Manufactured Home
Type: Residential
Year Built: 1978
Bedrooms: 2
Bathrooms: 2

View Details
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Note to Home Buyers


Home buyers need to move fast if they want to spend less, notes Jonathan Smoke, chief economist at realtor.com® in commentary at the site.

“Delayed purchases will only result in higher monthly mortgage payments as prices and rates rise,” Smoke writes. Realtor.com® is forecasting that affordability may decline as much as 10 percent over the year.

The Federal Reserve continues to remind the financial markets that it plans to raise its target federal funds rate this year, which will cause mortgage rates to rise. Many economists are predicting 30-year fixed-rate mortgages to average near 5 percent by the end of the year.  

For now, mortgage rates are near historical lows for homebuyers and home owners who can take advantage. Freddie Mac reported last week that the 30-year fixed-rate mortgage averaged 3.66 percent (last year at this time it averaged 4.32 percent), and 15-year fixed-rate mortgages averaged 2.98 percent (a year ago, it averaged 3.40 percent). 

“Right now, the Fed is using the word ‘patient’ to describe its approach to picking the time to raise the target rate,” Smoke notes. “However, when the Fed ‘loses patience,’ rates will go up at least 20 to 40 basis points in anticipation of the target rate officially going up. … So, buyers beware: The clock on these low mortgage rates may be ticking.”

DAILY REAL ESTATE NEWS | WEDNESDAY, FEBRUARY 04, 2015

 


Sacramento, Placer, El Dorado, and Yolo Counties.
North Natomas, South Natomas, Westlake, Valley View Acres,
Northgate, Gardenland, Del Paso Heights, Hagginwood, Rio Linda,
North Sacramento,
Arcade, Woodlake, Robla, Arden
Foothill Farms, Antelope, Elverta, Carmichael, Citrus Heights, Roseville, West Sacramento, Woodland.