Homes for sale in Sacramento, CA, Search for homes in zip code 95835 Down payment assistance programs First time homebuyers Condos for sale in Sacramento Homes for sale in Natomas Investment properties in sacramento, ca Short sale agent Short sale agent in Natomas
Gloria Torres, Realtor - Sacramento, CA
Short Sales are my Business
Contact Details
1972 Del Paso Road, Suite 157 Sacramento, CA 95834
Mobile: (916) 247-4072 Fax: (916) 515-4558 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

- See more at:

Call me if you are interested and I have a lender that can assist you.

Note to Home Buyers

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

“Delayed purchases will only result in higher monthly mortgage payments as prices and rates rise,” Smoke writes.® 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.”



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62 photos
1251 Nightingale Ct. Los Altos
Los Altos MLS $2,988,000 3,389 sq. ft. Single Story Residential
13 photos
8501 River Oaks
Oakdale MLS $1,599,900 7,520 sq. ft. 2 Story Residential
Sale Pending
14 photos
3,811 sq. ft. Detached Single Family, 2 Stories, Contemporary Residential
72 photos
887 kyle street
San Jose MLS $1,288,000 2,889 sq. ft. Single Story Residential
24 photos
1416 Buckthorne Way
San Jose $1,088,000 1,889 sq. ft."Per Updated County Asssor Record" Single Story Residential
20 photos
Aborn Rd San Jose, CA, Suite 3
San Jose $998,000 2,238 sq. ft. Single Story Residential
19 photos
1080 Inverness Way, Sunnyvale, CA
Sunnyvale $988,888 2,606 sq. ft. 2 Story "with independent entrance" Residential
23 photos
Aborn Rd San Jose, CA, Suite 2
San Jose $988,000 1,930 sq. ft. Single Story Residential
18 photos
Aborn Rd San Jose, CA, Suite 1
San Jose $985,000 1,928 sq. ft. Single Story Residential
18 photos
1065 California Ave
San Jose $950,000 1,524 sq. ft. Single Story Residential
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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.