Your Sacramento Real Estate Partner
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What Our Clients Say
"As first time homebuyers, we didn’t know where to start, but Raymond made the process easy and stress-free for us. We couldn’t have asked for a better experience. Raymond truly cares about his clients and is amazing at what he does. Highly recommend!"
- Adi and Randall R.
“I couldn’t say enough incredible things about Ray and his team at REMAX, from the beginning to the end, they were nothing but attentive, helpful, and extremely kind. I highly recommend Ray and his team, you will not be disappointed.”
- Sarah W.
“Ray and his team were able to advocate in my behalf during negotiations, break down step by step of the processes, and assuage all of my uncertainties. There is no doubt that the next home I buy will definitely be from him as I know that I’ll be in great hands.”
- Tony D.
Find Out What’s Possible Today
Whether you’re thinking about buying your first home or selling your current one, the market can feel overwhelming.
I’ll give you a clear picture of your options — from what you can buy to what your home is worth — so you can make confident decisions.
Your Questions, Answered
What’s the first step in buying a home?
The first step is to meet with Ray and his lender partner to get pre-approved. This tells you exactly how much you can afford, shows sellers you’re serious, and helps us focus on homes that fit your budget.
How much do I need for a down payment?
It depends on the loan program. Some buyers put as little as 3% down, VA loans can be 0%, and FHA loans start at 3.5%. A larger down payment can lower your monthly payment, but you don’t need 20% saved up to buy a home.
Do I need perfect credit to buy a home?
No. Many programs work with credit scores as low as 580–620. A higher score can qualify you for better rates, but don’t let credit worries stop you — we’ll explore the best options for your situation.
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