01
Buy
Home search, property tours, offer strategy, negotiation, transaction guidance, and assumable-mortgage opportunities when they fit your goals.
Sacramento & Placer County
REALTOR® & Assumable Mortgage Specialist
English & Russian
Buying, selling, relocating, or exploring a home with an assumable mortgage and an existing rate often in the 2–4% range? I’ll help you understand your options and make the numbers clear.
REALTOR®
DRE #02352463
eXp Realty
Assumable mortgages
A 2–3% existing mortgage can change the math.
Some homes have existing FHA, VA, or USDA financing that may be assumable, subject to lender approval and buyer qualification. I help identify opportunities, understand the remaining loan balance, estimate the cash gap, and compare the numbers before you invest time in a property.
Find homes with potentially assumable financing
Review balance, payment and estimated cash gap
Understand qualification and lender process
Compare assumption vs. a new loan
How I can help
Real estate help built around your situation.
My primary market is Sacramento and Placer Counties. If your move takes you outside California, I can connect you with a vetted local agent through my nationwide network.
02
Sell
Pricing strategy, preparation, marketing, showing coordination, negotiation, and clear management of the transaction from listing to closing.
03
Invest
Residential investment-property searches, deal comparisons, and purchase-side experience working with a client completing a 1031 exchange alongside the qualified intermediary and transaction team.
04
Relocate
Moving into Sacramento or Placer County? I can help you compare areas and homes. Moving elsewhere? I can connect you with a vetted local agent in another U.S. market.
For homeowners
Thinking about selling?
Get a personalized home value estimate and pricing conversation. The online estimate is a starting point; I can help you interpret it in the context of condition, upgrades, location, and current competition.
Experience & approach
Guidance for buyers, sellers & investors
Practical support from search and pricing through offers, negotiations, disclosures and closing.
Assumable mortgage guidance
Finding opportunities and making the loan balance, payment, cash gap and process easier to understand.
1031 exchange purchase experience
Purchase-side experience supporting an investor completing a 1031 exchange with the qualified intermediary and transaction team.
Bilingual service
Real estate communication in English and Russian.
Client review
“We moved from another state and didn't understand anything about California real estate. Maria explained everything step by step and made the process completely stress-free.”
Tell me what you’re trying to accomplish.
Buying, selling, investing, relocating, or trying to make an assumable mortgage work? Send me the situation and I’ll help you identify the next practical step.