Gino Zabala

Gino Zabala

Property SearchContact
primary-1
primary-2primary-3
Active

$595,000

($294,503 down)
FHA

3917 Loreto Way, Sacramento, CA 95821

4
2
2,021 sqft
PITI Monthly
$2,146.24 /mo

Listing courtesy of: Dee Schwindt, Coldwell Banker Realty

Assumed Rate

3.69%
7.15%

Principal & Interest

$1,715 /mo
$2,520 /mo

What's Special

REMODELED
DINING
HARDWOOD FLOORS
STAINLESS STEEL APPLIANCES
WALK-IN CLOSET
PATIO

Kitchen completely remodeled in 2023 from studs to finished beauty!!! LVP flooring, new paint, full solid surface quartz countertops and backsplash, new overhead lighting, new cabinets with soft close doors, new hardware on cabinets, motion activated faucet w/pull down reverse osmosis water filtration system under sink, which also filters water to fridge. New stainless steel dual pan sink, new garbage disposal, upgraded electrical and added outlets in kitchen. Stainless steel appliances. Newer HVAC w/Wi-Fi enabled thermostat and newer water heater. Floorplan allows privacy between front of home and rear of home w/barn door installed to allow for separate living spaces. Well maintained original hardwood floors run throughout front living room, dining room and both front bedrooms. Rear family room and bedrooms have ceramic tile and ceiling fans. Family room slider opens onto large fully enclosed patio. Owner's suite has attached bath featuring oversized tub w/shower over, dual vanity w/ample storage and a large walk-in closet. Stackable laundry is inside in a finished closet with a pocket door, w/ additional laundry hookups in the garage! Large lot could easily accommodate pool, ADU, children's play structure, or large garden w/ low maintenance and drought tolerant front yard.

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.69
Remaining Loan Term
21 years, 1 months
Monthly PITI
$2,146.24/mo
Estimated Loan Balance
$303,020
Cash to close
$294,503
Interest Paid
$111,704

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 4
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Ceiling Fan(s), Central
  • Heating: Central, Fireplace(s)
Features
  • Materials: Stucco, Frame, Wood
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Living Room, Wood Burning
  • Flooring: Tile, Wood

Exterior

Fencing
  • Fencing: Back Yard
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces: 0
Water
  • Sewer: In & Connected
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features:

Construction

Type & Style
  • Stories: 0
  • Home type: Single Family Residence
  • Architectural Style: Mediterranean, Contemporary
Materials
  • Stucco, Frame, Wood
  • Roof: Composition
Condition
  • Year Built: 1947
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features:
HOA
  • Has HOA: No
Location
  • Region: Sacramento

Financial Details

  • Price per Sqft: $294.41
  • Tax Annual Amount: $
  • On Market Date: 2025-04-28T02:53:33.000Z
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $294,503 (49%)
You can enter any amount below - secondary financing will cover the difference if needed.
49%
$

You cover the entire equity of $294,503!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.69% Sellers Rate
$300,497
Your Cash$294,503
Total Purchase Price:$595,000

Assumed vs Traditional Mortgage

Assumed @ 3.69%
$1,715/mo
Traditional @ 7.15%
$2,614/mo
You save $899/month ($10,785/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 225053112

Listing From: MLS Metrolist

Last updated: 2025-04-29T00:00:00.000Z

© , MLS Metrolist. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

3.69%
7.15%

Principal & Interest

$1,715 /mo
$2,520 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $294,503 (49%)
You can enter any amount below - secondary financing will cover the difference if needed.
49%
$

You cover the entire equity of $294,503!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.69% Sellers Rate
$300,497
Your Cash$294,503
Total Purchase Price:$595,000

Assumed vs Traditional Mortgage

Assumed @ 3.69%
$1,715/mo
Traditional @ 7.15%
$2,614/mo
You save $899/month ($10,785/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Real Brokerage
Agent/Broker
Gino ZabalaReal Brokerage(623) 552-1225ginozabalarealestate@gmail.comMLS SA712685000

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than Real Brokerage are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

equal-housing

Real Brokerage © is committed to and abides by the Fair Housing Act of Equal Opportunity.