03/29/2026
💰 "It's paid off, so I don't have a mortgage."
No mortgage ≠ no costs. Between property taxes, insurance, utilities, maintenance, and repairs, many Sacramento homeowners spend $20,000-$40,000+ annually on "paid off" homes.
Let's look at the REAL numbers together:
✓ Property taxes
✓ Insurance
✓ Utilities for unused rooms
✓ Ongoing maintenance
✓ Emergency repairs
The math might surprise you. Ready for a honest conversation?