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Ruth Dubach-Carter

Vibe Realty Team 916
Real Estate Agent

Contact Information:

3400 Cottage Way Suite G
Sacramento, CA 95825
United States
T: 916-647-5660
F: 888-458-0540

Years in Business:



Clients I'm Seeking:


My goal is to build lifetime relationships. Let's talk about how we can reach our goals together. Specialties:First Time Home Buyers, Investor flips, Short Sales, Move up Buyers, Relocation, Investment property, Foreclosures, Reo's, Short Sale Lease Back, Buyers and Sellers

About My Business:


Wife\\Mom\\Realtor\\Rainmaker (12 years experience) Specialties: Buyer's Agent, Listing Agent, Foreclosure, Short-Sale Download our free home finder App ********FIRST TIME HOMEBUYERS SPECIALIST****** My preferred lender has the following special Available Products: • CalPLUS Conventional or FHA with ZIP: A 30 year fixed rate, Conventional or FHA loan with a second lien for 3% or 3.5% to use for down payment assistance. Add an additional $6500 for Conventional loans if the borrowers are first time Homebuyers. • CalHFA Conventional or FHA: 30 Yr. Fixed Rate, Conventional or FHA loan which can be used as a stand-alone, or combined with a second lien program for down payment assistance. Borrowers do not need to be first time homebuyers for this program. • Extra Credit Teacher Home Purchase Program (ECTP): Second lien for the up to the greater of 3% or $15,000 to use for down payment assistance. This program is available for teachers, as well as administrators, classified employees and staff members of schools with an API ranking of 1-5. The interest is forgiven by 1% for each year borrower works at the school. • California Homebuyer's Downpayment Assistance Program (CHDAP): A deferred payment second lien in the amount of 3% to use for down payment assistance. Borrower must be a first time homebuyer to be eligible for this program. Can be added to CalPLUS loan with ZIP for additional assistance. Product Highlights: • Purchase Only • Properties located anywhere the state of California • Minimum 640 FICO • Maximum 45% Debt to Income Ratio • Primary Residence Only • Income and Purchase Price Limits apply *No Minimum Flip Season Requirements on Conventional Programs* Call, text or email to discuss your next move!!! 916-968-1627 | direct ~ Ruth If you are reading this, it is because you are very likely to become a client and a very close friend for years to come. I appreciate your business and look forward to working with YOU!

Years in business:
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