If you have steady income, a handle on monthly expenses, and savings for a down payment, you’re likely in a solid position. The bigger question: do you plan to stay in Sacramento for 3–5 years? I can help you run the real numbers before you commit to anything.

Absolutely — and the sooner the better. In Sacramento’s competitive market, sellers won’t take an offer seriously without a pre-approval letter. I can connect you with trusted local lenders who’ll give you honest, pressure-free guidance.

Closing is where ownership officially transfers. You’ll sign final loan documents, pay closing costs, and receive your keys. In California, escrow typically takes 21–30 days from accepted offer to close. I walk every client through each step so nothing is a surprise.

Yes — always. Even homes built within the last 10 years can have roofing, HVAC, or grading issues. An inspection typically costs $400–$600 and can reveal thousands in potential problems. I never recommend skipping it.

Typically nothing out of pocket. My commission is paid by the seller as part of the transaction. You get full representation at no direct cost to you. I’ll always be transparent about how compensation works before

Less than most people think. Conventional loans can go as low as 3–5% down, FHA loans require 3.5%, and VA loans require zero down. California also has first-time buyer assistance programs that help with down payment and closing costs.