Roberto M. Soto
(916) 470-7298
Roberto M. Soto
Your Personal Real Estate Advisor
Real Estate Tips
11MAY

Locked In and Holding Out: How Low Mortgage Rates Are Freezing the Housing Market
The U.S. housing market is grappling with a persistent shortage of homes, and one major reason is the “lock-in effect.” Homeowners with ultra-low mortgage rates secured during the pandemic are reluctant to sell, even as market demand grows. This hesitance is tightening inventory, driving up prices, and reshaping the dynamics of both buying and selling real estate in 2025.
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04MAY

Buy a Home, Keep the Seller’s Rate
With interest rates nearing 7%, many homebuyers in the U.S. are exploring assumable mortgages as a strategic way to save money. By taking over a seller’s existing home loan with a lower interest rate, buyers can reduce their monthly mortgage payments significantly. This article explains how assumable mortgages work and why they’re gaining popularity in today’s housing market.
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Roberto M. Soto
365 Real Estate Services
9245 Laguna Springs Drive, Suite 200, Elk Grove, CA 95758
Email: newerasac@gmail.com
Phone: (916) 470-7298
I take the time to listen carefully to understand my client’s needs, wants and concerns. I will be ready to take quick action when required and spend more time with those who aren’t quite sure which direction to take. My genuine concern for my client’s best interests and happiness ensures the job is done!
What My Clients Say
The Rodriguez Family, Sacramento, CA
Thank you for keeping us up to date with every detail from the beginning to the end of the process of selling our home. It was a pleasant experience working with you and we will not hesitate to recommend you to my acquaintances.read more testimonials
Karla Brown
Roberto, thank you for finding me the right house and for keeping me informed. I would recommend you to anyone!read more testimonials
Guadalupe Mendoza – Sacramento, CA
Never “pushy”, extremely efficient, and very pleasant to work with. Always kept us informed. For sure Roberto is truly a professional Realtor. read more testimonials
Diane and Bob – Rancho Cordova, CA
My husband Bob and I were pleased with Roberto’s work. My many phone calls were always returned. We don’t have any problems recommending Roberto to anyone selling their home. read more testimonials
Yaneth Hinojosa – Sacramento, CA
Roberto is very professional, attentive to detail, and very easy to work with. He stayed the course through a very trying and frustrating selling/closing process. Roberto is a straight shooter and extremely honest with her clients. I can highly recommend him to anyone seeking a truly professional…read more testimonials
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