Sacramento First-Time Homebuyer Questions — Simple Answers You Can Trust.

Buying your first home in Sacramento is exciting — but it can also feel overwhelming. If you’re a first-time homebuyer, you probably have questions about the process, costs, and how to choose the right Sacramento real estate agent. I’m here to make it simple, stress-free, and clear every step of the way.Here are some of the most common questions I hear from first-time buyers, with easy-to-understand answers:

1. How much money do I need to buy a home in Sacramento?

You don’t always need 20% down! Some loan programs allow as little as 3%, and some even offer 0% down if you qualify. The first step is talking with a lender so you know your options and can plan your budget confidently.

2. Should I get pre-approved before looking at homes in Sacramento?

Absolutely! Getting pre-approved shows you what you can afford, strengthens your offers, and saves time by focusing only on homes in your price range. Think of it as getting a green light before you start your home search.

3. How long does the home buying process take?

On average, the process takes about 30 days from the time your offer is accepted. It can feel fast or slow depending on the home and your needs, but with the right guidance, you can move through each step confidently and without unnecessary stress.

4. How do real estate agents get paid now?

Due to recent changes in real estate rules, buyers now sign an agreement with their agent that clearly explains how compensation works. In many cases, the seller still covers the agent’s fee — but if not, we’ll review all options together before you commit to anything. Transparency is key so there are no surprises.

5. Why should I work with a Sacramento real estate agent like you?

Buying your first home can feel stressful — but it doesn’t have to. My clients choose me because of my patience, professionalism, and commitment to exceptional customer service. I’ll guide you through every step of the process, making sure you feel informed, confident, and supported from start to finish.

Buying your first home doesn’t have to be confusing. With the right guidance and a clear plan, you can turn your dream of homeownership into reality.Call or text me at 916-350-0602 and let’s talk about your goals. I’ll help you make the home-buying process smooth, stress-free, and successful.

Coldwell Banker Realty

DRE #02009731