4 Simple Steps for Sacramento Home Buyers


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4 Successful Steps to Buying a House Are you thinking of buying a home this year?

Do you know the steps for buying a house?

Do you want to have a successful home buying experience?

Just like building stairs, the home buying process involves having a solid foundation beneath you. Your credit score is the foundation toward buying a house. Without a good foundation, the stairs crumble…without good credit, you can’t buy a house.

The 4 essential steps in the home buying process are:

Getting Pre-Approved for a Loan
Choosing a Realtor to represent you that you connect with
Choosing the Neighborhood you want to live in
Choosing the house to buy

These seem like relatively easy steps but I hear from many home buyers who don’t know these steps. Getting a loan has changed. You MUST have a pre-approval or you CAN’T submit an offer in Sacramento or the surrounding areas. Well, I take that back, you can but your offer won’t be selected.

It is vital that you take the time to get pre-approved. Believe it or not there are some lenders by their very qualifications for a loan that would prohibit you from buying a bank owned property. It’s important that you understand your loan. Not all loans are created equal. Banks can only offer you their loans. They may only have 1 or 2 choices. A mortgage broker who is licensed has more loans and terms to offer. Remember, that a loan is more than just the interest rate.

The home buyers that I represent get pre-approved for a loan BEFORE we look at houses. My clients have a stake and a goal. They are responsible and they want to buy a house. I too have a stake and a goal to do the very best for them and give them 120% of my time and experience.

There are many Realtors ® and the home buyer needs to feel comfortable, know that the Realtor they are working with has experience and know how to get the job done correctly, efficiently and in the best interest of the home buyer. Years of experience is a good teacher and you want to make sure that you are working with someone who has that experience.

The neighborhood is also very important aspect in the home buying experience. Many times, new home buyers want to know where the “safe” neighborhoods are. This is not something a Realtor can or should answer. Safe is different for many people and only you can determine the level of safeness. Check the Internet for crime in a neighborhood before you decide to buy a house.

Here are a few websites where you can check crime in each neighborhood:

Finally, with your pre-approval, an experienced Realtor, the neighborhood of your choice, homes are viewed and you select the house that you will call home where memories will begin.

Here are a few neighborhoods in the Sacramento area with homes for sale:

Want to see homes for sale in Placer County:

Or maybe El Dorado County is where you would like to live:

These are just a few neighborhoods but there are many more so feel free to look at all of the homes for sale by Clicking Sacramento MLS where you can pick any community or city around Sacramento and see homes for sale or simply click on the photo and pick the area you are interested in finding a home or condo for sale in.

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If you have a real estate question that you would like an answer to, be sure to check out and read what other home buyers and home sellers have asked and feel free to ask your Real Estate question by email. Perhaps, your question will be part of the next article featured on Sacramento REAL Estate Voice. Just ask the Realtor, Gena Riede of Riede Real Estate.