Realtor Toni M

10/27/2026

Need to get out of an HOA? I got you!!

10/26/2026

Rumor has it that Babas BBQ is one of the best BBQ restaurants in town. Do you agree?

Toni Majko

BBQ in Citrus Heights, CA

10/26/2026

CONVENTIONAL vs. FHA vs. VA LOANS: Which Home Loan Is Right for YOU? 🇸

Buying a home can feel overwhelming, especially when you're trying to figure out which loan makes the most sense for your situation. Let's break down three popular mortgage options!

CONVENTIONAL LOANS..Down payments as low as 3% for eligible buyers..Great option for buyers with stronger credit..Can be used for primary residences, second homes, and investment properties..Private mortgage insurance may be required with less than 20% down

FHA LOANS..Down payments as low as 3.5% for eligible buyers..Flexible credit qualification guidelines..Great for first time home buyers..Mortgage insurance is generally required

VA LOANS..Potential for 0% down for eligible borrowers..No monthly mortgage insurance..Available to qualifying veterans, active duty service members, and some surviving spouses..A fantastic benefit for those who have served our country!

As a Navy Veteran and Realtor, helping fellow veterans understand their homeownership benefits is especially important to me.

There is no one size fits all mortgage. The best option depends on your finances, eligibility, goals, and long term plans.

Thinking about buying a home? Let's connect! I can help you navigate the home buying process and connect you with a lender to explore your options.

10/25/2026

Me when scheduling showings

10/24/2026

Fresh herbs, homegrown veggies, and a backyard you'll love.

Toni Majko

10/24/2026

Its a buyers market! But what exactly is that?

A buyer’s market happens when there are more homes for sale than there are buyers actively looking to purchase. That means buyers may have more options, less competition, and more room to negotiate.

Depending on the property and local market conditions, sellers may be more willing to consider offers below asking price, contribute toward closing costs, or offer an interest rate buydown to make a home more affordable.

For buyers, this could mean an opportunity to find the right home without feeling pressured to make a rushed decision.

Thinking about buying a home? This could be a good time to explore your options. Understanding the market is the first step toward making a smart move.

Have questions about what the current market looks like in Sacramento and the surrounding areas? Let's talk.

10/22/2026

Mortgage calculators can be a great help when thinking about buying a home, but simple versions do have their limitations. Let's take a look at the situations where mortgage calculators can be a huge help and the times when it might be wise to consult a human for additional advice.

Toni Majko

Considering buying a home or refinancing a mortgage? As with anything else, there are tons of mortgage calculator options. And as usual, only a handful are relevant or even useful. We jumped into the deep end of those results...

10/22/2026

What would you do with two homes on approximately .3 acres?

2876 Polaris St offers a unique opportunity for anyone looking for extra space, multigenerational living, or potential rental income.

The property features:

• A front home with 3 bedrooms and 2 bathrooms • A second home with 1 bedroom and 1 bathroom • Approximately 3 acres of land • Previous rental income of $1,400 per month from the second home

Properties with this kind of flexibility can open the door to a variety of possibilities.

What would you use the second home for: family, rental income, or something else?

Message me for more information or to schedule a showing.

Toni Majko | Realtor Realty ONE Group Complete

10/21/2026

In the description it states "The seller is offering up to $10,000 toward the buyer’s closing costs and/or an interest rate buydown."

What does that mean for you?

It could mean less money out of pocket when you buy a home, a lower mortgage interest rate, or a combination of both.

If saving for closing costs has been holding you back from buying, this could be an opportunity worth exploring.

Every buyer’s situation is different, so let’s talk about your options and see what may work for you.

(MetroList) For Sale: 3 beds, 2 baths ∙ 1067 sq. ft. ∙ 2825 Orly Ct, Lincoln, CA 95648 ∙ $465,000 ∙ MLS # 226115756 ∙ Seller is offering up to $10,000 toward buyer closing costs and/or an interest rate buydown!...

10/20/2026

Thinking about selling your home? Get a quick estimate of your home's worth.

Toni Majko

Thinking about selling your home? Get a quick estimate of your home's value.