1. Know your budget
Get pre-approved so you shop with confidence. Deborah's mortgage background helps here.
Buy with DJ's Brokerage
Find the right home and the right loan.
First-time and move-up buyers across Sacramento, Elk Grove and Natomas.
Quick answer
To buy a home in Sacramento, get pre-approved for a loan first, then tour homes in your price range, make an offer based on recent sales, and close after inspection and appraisal. DJ's Brokerage guides you through each step, and Deborah's mortgage background helps with the loan side. Call (916) 613-0107.
Updated October 2026How buying works
Your path to the keys
2. Find the home
We set up a search that fits your list and show you homes that match.
3. Make a strong offer
We look at recent sales so your offer is fair and competitive.
4. Close and move in
Inspection, appraisal and escrow handled step by step.
Buying your first home in Sacramento
Buying your first home can feel like a lot. It doesn't have to. Here is what to expect.
What do I need before I start?
- A pre-approval letter from a lender
- Money saved for the down payment and closing costs
- A list of must-haves, like bedrooms, yard or commute
- A buyer agent on your side
What kinds of home loans are there?
Common loans include conventional loans, FHA loans, VA loans for veterans, and USDA loans for some areas outside the city. Each has different down payment and credit rules. Deborah spent years in mortgage, so she can explain them in plain words and connect you with a lender.
How do I win an offer?
Be pre-approved, be ready to move fast, and offer a price that matches recent sales. Sometimes a flexible closing date matters to a seller as much as price.
What happens after my offer is accepted?
- You put down your earnest money deposit
- You get a home inspection
- The lender orders an appraisal
- Your loan gets final approval
- You sign papers, the sale closes and you get the keys
Where should I buy?
Every area has its own feel. Read about Elk Grove for newer homes and parks, Natomas for an easy commute, or Valley Hi and Meadowview for single-family homes with yards.
Buyer payment calculator
What will you really pay each month?
Not just the loan. Taxes, insurance, Mello-Roos, HOA and flood insurance too.
Featured
Featured properties
$250,000
FOR SALE
4113 Brookfield Dr, Sacramento, CA 95823
2 beds · 2 full + 1 half bath · 1,323 sq ft
A quiet residential spot that is still centrally located. Two full baths upstairs and a half bath downstairs. Built in 1982.
$670,000
SOLD NOV 2025
9348 Cedarview Way, Elk Grove, CA 95758
4 beds · 2 baths · 1,841 sq ft
Upgraded throughout and tucked away in a scenic location, within walking distance of a private lake. Sold November 21, 2025.
FAQ
Questions buyers ask
How do I start buying a home in Sacramento?
Start with a quick call. Deborah helps you see what you can afford, connects you with a lender for pre-approval, and sets up a home search that fits what you want.
Do you help first-time buyers?
Yes. First-time buyers are a big part of what we do. We explain each step in plain words, from the offer to the inspection to closing day.
Do I need to be pre-approved before I look at homes?
It helps a lot. A pre-approval letter shows sellers you can buy, and it tells you your price range before you fall in love with a home.
How much do I need for a down payment?
It depends on the loan. Some loans need as little as 3% to 3.5% down, and some programs help with down payment. Deborah can point you to a lender who will go over your options.
Can you help with the home loan too?
Yes. Deborah has two decades of experience in real estate and mortgage. She can explain loan options in plain words and connect you with the right lender.
Can you find homes that are not on the MLS?
Sometimes. We hear about owners who want to sell before they list. Tell us what you want and we will let you know when something fits.
Keep reading
Ready to start looking?
Call Deborah and get a home search set up today.