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.
The Ultimate Checklist for Gathering Your Mortgage Application Documents
The ultimate checklist for gathering your mortgage application documents. W2s, pay stubs, bank statements, tax returns, assets, ID, and everything needed for approval. ...more
Move Up/Down Buyers
December 07, 2025•5 min read
Escrow Accounts and Property Taxes: Managing Your Mortgage Payments in Sacramento
Learn effective strategies for managing your mortgage payments in Sacramento. Reduce costs, refinance, budget better, and discover homeowner assistance options in 2025. ...more
Move Up/Down Buyers
December 07, 2025•5 min read
Debt-to-Income (DTI) Ratio: How It Affects Your Sacramento Home Loan Eligibility
Learn how It affects your Sacramento home loan eligibility—credit, income, debt ratio, job history, down payment, and 2025 mortgage requirements for buyers. ...more
Move Up/Down Buyers
December 07, 2025•5 min read
Local vs. National Lenders: Why a Sacramento Mortgage Broker Wins Every Time
Discover why a Sacramento mortgage broker wins every time. Lower rates, faster approvals, better guidance, and stronger homebuyer offers in 2025. ...more
Move Up/Down Buyers
December 06, 2025•5 min read
The Mortgage Process Explained: From Application to Final Underwriting
Mortgage process explained step-by-step. Learn pre-approval, underwriting, appraisal, closing, documents needed, and the full Sacramento home loan process in 2025. ...more
Move Up/Down Buyers
December 06, 2025•5 min read
Jumbo Loans in Sacramento: Financing High-Value Properties with Confidence
Learn how jumbo loans work in Sacramento. See 2025 jumbo loan limits, requirements, credit scores, down payments, and how to qualify for high-value home financing. ...more
Move Up/Down Buyers
December 06, 2025•10 min read
Understanding Your Credit Score for Mortgage Rate: The Key to a Lower Sacramento Mortgage Rate
Learn the credit score needed for a mortgage in 2025. FHA, VA, USDA, and conventional loan requirements—plus tips to boost your score fast. ...more
Move Up/Down Buyers
December 05, 2025•5 min read
Refinancing Your Sacramento Home: When is the Right Time to Lower Your Payment?
Refinancing your Sacramento home in 2025? Learn rates, cash-out options, costs, benefits, timing, and how to lower payments or tap equity in today’s market. ...more
Move Up/Down Buyers
December 05, 2025•5 min read
Fixed-Rate vs. Adjustable-Rate Mortgages (ARMs): Which is Right for Sacramento Buyers?
Compare fixed-rate vs adjustable-rate mortgages. Learn differences, pros and cons, payment stability, risks, and which loan type Sacramento buyers should choose in 2025. ...more
Move Up/Down Buyers
December 05, 2025•4 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.