Your Sacramento Area Real Estate Expert
Guiding you home with local knowledge and unparalleled service
Whether you're buying your first home, selling a cherished property, or investing in
your future, David Muraoka provides the expertise and dedication to turn your real
estate goals into reality.
Your Sacramento Area Real Estate Expert
Guiding you home with local knowledge and unparalleled service
Whether you're buying your first home, selling a cherished property, or investing in
your future, David Muraoka provides the expertise and dedication to turn your real
estate goals into reality.
Your Real Estate Dream Team
Working with a trusted real estate agent and mortgage lender team ensures a smooth, coordinated home buying experience from start to finish.
David Muraoka
Managing Partner Realtor | KEES Homes
David Muraoka (CA DRE #01710798) is the Managing Partner of KEES Homes. Serving Sacramento, Placer County, and all of California with dedication and expertise.
se habla español
Sunny Singh
Mortgage Broker | KEES Lending, Inc.
Sunny Singh (NMLS #235090) is the CEO & Mortgage Broker of KEES Lending, Inc. (Equal Housing Lender). Serving Sacramento, Placer County, and all of California.
Find Your Dream Home
Use our powerful, real-time home search to explore all available properties in the Sacramento
Area. Save your favorites, schedule tours, and get alerts when new homes hit the
market.
Sacramento’s Smartest Home Search
Our Services Offered
Whether you’re buying your first home, refinancing, or investing in property, our team offers personalized mortgage solutions designed to make financing simple, transparent, and stress-free.
First-Time Home Buyer
Tailored solutions to help Sacramento buyers enter the housing market with confidence.
Low down payment options
Guidance through the entire purchase process
Access to competitive interest rates from local Sacramento lenders
White Glove Seller Program
A premium service for Sacramento homeowners looking to sell with ease and maximize value.
Expert pricing and marketing strategy
Streamlined coordination with qualified Sacramento buyers
Hassle-free closing processwith local experts
Concierge Investor Programs
Ideal for first-time flippers and investors seeking off-market opportunitiesin Sacramento.
Access to exclusive Sacramento property listings
Flexible financing for renovation projects
Support for short-term and long-term investment goals
BRRRR Investor Program
Buy, Rehab, Rent, Refinance, Repeat — a strategic solution for portfolio growth in Sacramento’s real estate market.
Financing for acquisition and renovation
Options for rental income qualification
Guidance for long-term wealth building in Sacramento
Move Up/Down Program
Perfect for clients buying and selling Sacramento homes at the same time.
Simultaneous buy-and-sell support
Flexible closing coordination
Streamlined financing for transitioning homeowners in the Sacramento area
Second Home Purchase
Designed for buyers looking to invest in a vacation or secondary home in Sacramento or nearby regions.
Competitive loan options
Streamlined approval process
Flexible income and asset verification
Our Services Offered
Discover the right mortgage solution for every client with our comprehensive range of loan programs.
First-Time Home Buyer
Tailored solutions to help new buyers enter the housing market with confidence.
Low down payment options
Guidance through the entire purchase process
Access to competitive interest rates
White Glove Seller Program
A premium service for homeowners looking to sell with ease and maximize value.
Expert pricing and marketing strategy
Streamlined coordination with buyers
Hassle-free closing process
Concierge Investor Programs
Ideal for first-time flippers and investors seeking off-market opportunities.
Access to exclusive property listings
Flexible financing for renovation projects
Support for short-term and long-term investment goals
BRRRR Investor Program
Buy, Rehab, Rent, Refinance, Repeat — a strategic solution for portfolio growth.
Financing for acquisition and renovation
Options for rental income qualification
Guidance for long-term wealth building
Move Up/Down Program
Perfect for clients buying and selling at the same time.
Simultaneous buy-and-sell support
Flexible closing coordination
Streamlined financing for transitioning homeowners
Second Home Purchase
Designed for buyers looking to invest in a vacation or secondary residence.
Competitive loan options
Streamlined approval process
Flexible income and asset verification
Mortgage Calculator
Help your clients understand their potential monthly payments with our easy-to-use calculator.
Mortgage Payment Calculator
Estimated Monthly Payment
*Rates shown are examples. Contact us for current rates.
Financing, Simplified
A successful home purchase starts with a strong financial strategy. As David's dedicated lending partner, Sunny Singh offers a seamless, integrated financing experience. From getting pre-approved to clearing the final hurdles, Sunny ensures your financing is as smooth as your home search.
Get Pre-Approved Fast
Gain a competitive edge with a fast, reliable pre-approval that shows sellers you're a serious buyer.
Expert Loan Guidance
Explore a wide range of loan options (Conventional, FHA, VA, Jumbo) and find the perfect fit for your financial situation.
A True Partnership
With a lender and realtor working in lockstep, you'll experience clear communication, fewer delays, and a stress-free path to closing.
Simplified Home Financing in Sacramento
A successful home purchase starts with a strong financial strategy. As David's dedicated lending
partner, Sunny Singh offers a seamless, integrated financing experience. From getting pre-
approved to clearing the final hurdles, Sunny ensures your financing is as smooth as your home search.
Get Pre-Approved Fast
Gain a competitive edge with a fast, reliable pre-approval that shows sellers you're a serious buyer.
Expert Loan Guidance
Explore a wide range of loan options (Conventional, FHA, VA, Jumbo) and find the perfect fit for your financial situation.
A True Partnership
With a lender and realtor working in lockstep, you'll experience clear communication, fewer delays, and a stress-free path to closing.
Let's Start the Conversation
Have a question or ready to take the next step? Fill out the form below, and our
team will get in touch with you shortly to schedule a no-obligation
consultation.
Insights from the Market
Stay informed with the latest news, tips, and trends in Sacramento Area real estate.
From Offer to Keys: The Sacramento Home Buying Timeline Explained
Learn the complete Sacramento home buying timeline for 2025. From pre-approval to keys, see each step, timelines, escrow process, and how long buying a home takes. ...more
First-Time Home Buyers
November 27, 2025•4 min read
Best Sacramento Neighborhoods for Buyers: 2025 Homebuyer Guide
Explore the best Sacramento neighborhoods for buyers in 2025. Learn about affordability, schools, lifestyle, safety, and top areas for first-time homebuyers. ...more
First-Time Home Buyers
November 27, 2025•4 min read
Low Down Payment in Sacramento Options: FHA, VA, and Conventional Loans in Sacramento
Learn the best low down payment options in Sacramento. Explore FHA, Conventional 3% down, USDA, VA, CalHFA, and 2025 down payment assistance programs. ...more
First-Time Home Buyers
November 26, 2025•4 min read
The Power of Partnership: Why a Coordinated Agent and Lender Team is Crucial
Discover why a coordinated agent and lender team is crucial in Sacramento. Learn how teamwork strengthens offers, speeds approval, avoids delays, and wins homes. ...more
First-Time Home Buyers
November 26, 2025•5 min read
Closing Costs Explained: A Sacramento First-Timer's Budget Breakdown
Your Sacramento First-Timer’s Budget Breakdown for 2025. Learn down payment costs, closing fees, monthly payments, hidden expenses, and how to plan your homebuying budget. ...more
First-Time Home Buyers
November 26, 2025•5 min read
How to Build a Winning Offer in Sacramento's Competitive Neighborhoods
Learn how to write a winning offer in Sacramento. Discover strategies for bidding wars, pricing tips, contingencies, lender tricks, and 2025 competitive market tactics. ...more
First-Time Home Buyers
November 25, 2025•4 min read
Navigating the Sacramento Housing Market Guide: A Step-by-Step Guide for New Buyers
Your complete Sacramento Housing Market Guide for 2025. Explore home prices, trends, predictions, inventory levels, mortgage rates, and buyer/seller insights. ...more
First-Time Home Buyers
November 25, 2025•5 min read
Down Payment Assistance in Sacramento: 5 Programs That Can Save You Thousands
Explore the best down payment assistance programs in Sacramento. Learn about CalHFA, SHRA, GSFA, grants, income limits, and 2025 first-time homebuyer options. ...more
First-Time Home Buyers
November 25, 2025•5 min read
Mortgage Pre-Approval vs. Pre-Qualification: What Sacramento Buyers Need to Know
Explore the best first-time home buyer programs in Sacramento. Learn about down payment assistance, grants, CalHFA options, FHA loans, and 2025 qualification rules. ...more
First-Time Home Buyers
November 24, 2025•5 min read
Your Questions, Answered
How much do I need for a down payment in Sacramento?
Down payment requirements vary by loan type. Conventional loans can start at 3%, FHA loans at 3.5%, and VA/USDA loans may require 0% down. We'll help you find the best option for your situation.
What's the first step of the home buying process?
The first step is getting pre-approved for a mortgage. This shows sellers you're a serious buyer and helps you understand your budget. Contact us to start your pre-approval today.
How long does it take to buy a home?
From offer acceptance to closing typically takes 30-45 days. However, the entire process from starting your search to closing can take 2-6 months depending on market conditions and your specific situation.
Should I sell my current home before buying a new one?
It depends on your financial situation and local market conditions. We can discuss bridge loans, contingent offers, and other strategies to help you transition smoothly between homes.
What is the difference between being pre-qualified and pre-approved?
Pre-qualification is an estimate based on self-reported information. Pre-approval involves a thorough review of your finances and credit, making it much stronger when making an offer.
How can I improve my credit score before applying for a mortgage?
Pay bills on time, reduce credit card balances, avoid opening new credit accounts, and check your credit report for errors. Even small improvements can significantly impact your interest rate.
What are closing costs and how much should I expect to pay?
Closing costs typically range from 2-5% of the purchase price and include lender fees, title insurance, appraisal, and other transaction costs. We'll provide a detailed estimate early in the process.
How do you determine the right price to list my home for?
We conduct a comprehensive market analysis comparing recent sales of similar homes in your area, current market conditions, and your home's unique features to determine the optimal listing price.
What is an appraisal, and how does it affect the sale?
An appraisal is an independent assessment of your home's value. If the appraisal comes in lower than the purchase price, it can affect financing and may require renegotiation between buyer and seller.
Do I really need a real estate agent to buy a home?
While not legally required, a skilled agent provides invaluable expertise in pricing, negotiation, contracts, and navigating complex transactions—often saving you time, money, and stress.
David Muraoka Real Estate
KEES Homes
CA DRE #01710798
Corp DRE Lic. 02246022
(916) 580-1140
KEES Homes
2999 Douglas Blvd Suite 180
Roseville, CA 95661
Hours
Monday - Friday: 9:00 AM - 5:00 PM
Saturday: 9:00 AM - 2:00 PM
© 2025 KEES Lending, Inc. DBA KEES Homes. All Rights Reserved. Equal Housing Opportunity.