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Explore My Properties

Buyers

As your Buyer’s Agent:

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I’ll provide access to the largest collection of off-market and pre-market listings.
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A well collaborated and organized home tour experience with a client/agent-centric proprietary app.
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Assisted review of all seller disclosures, inspection reports, and HOA documents.
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A thorough Buyer’s Consultation which will fully prepare you to shop, offer on, and close the home of your dreams.
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I will NEVER be pushy. You’re still in the driver’s seat and I’ll provide guidance when needed and give you your options.
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Lender referrals for all kinds of situations.
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If you already own a home, options to rent or sell it so you can buy again.
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I’m experienced in Detached Homes, Condos, Townhomes/P.U.D.’s, Multifamily, and Mobile Homes.
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Experienced in purchases using Conventional, VA, and FHA loans.
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Buying a home, especially your first home, is one of the most exciting and accomplished feelings you’ll ever have. It’s something we all strive to achieve, and when done correctly, it'll be a beautiful memory. To ensure it all goes how YOU want it to go, this is where a Professional Buyer’s Agent comes into play. At the core of a Buyer’s Agent’s responsibility is to protect your 3% deposit (about $30k-$60k for typical home prices), all other terms and conditions are based on keeping it or losing it should you decide to not complete the purchase or you’re not able to. The Bay Area, and especially Silicon Valley, sells homes differently than the rest of the country. Here, nearly all of the work is front-loaded before your offer is even submitted, which allows us to proceed fairly straightforward through the escrow process to closing. While escrow may be easier, it exponentially increases the work before the offer to ensure you know exactly what you're getting yourself into, especially if making a competitive offer.

While it’s true that any Real Estate Agent can act as a Buyer’s Agent, the focus of nearly the entire industry is on Sellers, which is a very different skill-set, and can lead to a very underwhelming experience for homebuyers. To my knowledge, I’m the only truly Buyer-Centric agent in the South Bay and have set up my entire business with homebuyers in mind.

How To Shop For A Mortgage Lender

There's different lenders for every situation you can think of. My personal recommendation is to at least speak to someone from each type of lender to see how they differ, see who truly has the better rates, who is cheaper for closing costs, who can close the fastest, and who can offer better products that match your situation, especially buy-before-you-sell programs.

When you’re getting a mortgage, most buyers focus on rates and monthly payments—but who you get the loan from matters just as much. Mortgage lenders don’t all operate the same way, and understanding the differences can help you choose the right fit for your situation.

Most home loans come from one of four main categories: mortgage brokers, mortgage bankers, banks and credit unions, and hybrid or portfolio lenders.

A mortgage broker does not fund loans directly. Instead, brokers work with multiple wholesale lenders and shop your loan across their network to find programs, rates, and terms that match your financial profile.

The biggest advantage of a broker is access to choice. Brokers can be especially helpful for buyers who are self-employed, have complex income, or need non-standard loan programs. The tradeoff is that brokers rely on third-party lenders for underwriting and funding, which can sometimes affect consistency or timelines.
Examples of mortgage brokers include:

  • C2 Financial
  • NEXA Mortgage
  • Edge Home Finance
  • Loan Factory

(Some brokers may also operate as bankers or hybrids, depending on licensing and structure.)

Mortgage bankers fund loans using their own capital or warehouse lines, then typically sell those loans to investors after closing. Because more of the process is handled in-house, mortgage bankers often have greater control over underwriting, communication, and closing timelines.

This structure can be especially valuable in competitive markets where certainty and speed matter.
Examples of mortgage bankers include:

  • Guaranteed Rate
  • LoanDepot
  • Rocket Mortgage
  • Fairway Independent Mortgage
  • New American Funding

Banks and credit unions fund mortgages using customer deposits and usually offer home loans as part of a broader financial relationship. These institutions often work well for borrowers with strong, straightforward financial profiles.

Credit unions may offer lower fees or favorable rates, while large banks tend to prioritize standardized, high-volume lending. However, both can have more rigid guidelines and slower processes, particularly for complex transactions.
Examples include:

  • Wells Fargo
  • Chase
  • Bank of America
  • Navy Federal Credit Union
  • Patelco Credit Union

Some lenders don’t fit neatly into one category. Hybrid lenders may operate as both brokers and bankers, while portfolio lenders keep certain loans in-house instead of selling them on the secondary market.

These lenders can be particularly useful for jumbo loans, unique properties, or buyers who fall outside conventional guidelines.

Examples of hybrid or portfolio-style lenders include:

  • JVM Lending
  • U.S. Bank (offers both secondary-market and portfolio products)
  • Certain regional and private mortgage lenders

There’s no universally “best” lender. The right choice depends on your financial picture, how competitive the market is, and how much flexibility you may need. Some buyers benefit from the variety a broker provides, others from the control and predictability of a mortgage banker, and some from the relationship-based approach of a bank or credit union.

Understanding how lenders differ allows you to make smarter decisions, ask better questions, and choose a mortgage partner that aligns with your goals—not just the lowest advertised rate.

Types of Pre-Approval

A prequalification is basically a starting point. It’s an estimate of what a buyer might be able to afford, based mostly on information they provide themselves.

In most cases, there’s little to no verification. No deep look at income, assets, or debts, and sometimes not even a full credit pull. Because of that, prequalifications can be inaccurate—often optimistic.

From a seller’s perspective, a prequalification is worthless. It’s fine for early planning, but it’s not something you want to rely on when writing an offer.

A pre-approval is what most people are referring to when they say they’re “approved.”

At this stage, the buyer has submitted documentation—pay stubs, tax returns, bank statements—and the lender has pulled credit and reviewed the file. The lender believes the buyer qualifies, assuming everything checks out later (appraisal, title, final review, etc.).

This is the standard level expected when making an offer. It shows the buyer is serious and financially capable, but it’s still conditional. The file has not gone through a full underwriting review yet, which means issues can still come up during escrow.

An underwritten pre-approval is the strongest position a financed buyer can be in before making an offer.

Here, the buyer’s file is reviewed by an actual underwriter upfront—before shopping for a home. Income, assets, credit, and employment are all vetted in advance. Once approved, the only remaining items are property-related, like the appraisal and title.

Not all lenders offer this, and it does take more work on the front end. But in competitive markets, it can make a meaningful difference. Sellers and listing agents know the risk of the loan falling apart is much lower.
This is about as close as a buyer using financing can get to a “cash-like” position.

Homebuyer's Guide

Buying a home should be one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first-time homebuyer’s guide created by your agent will reduce the stress of buying a home and help you enjoy the journey.

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Step 1: Compile Your Wish List

Decide which communities, home features, and property types you and your family prefer. Have candid conversations about which of these characteristics are required, and which are “nice to have” in your next home.

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Step 2: Decide on Your Budget

Examine your current expenses and determine how they might change if you purchase a home. Create a comprehensive household budget so you can factor in any new ongoing expenses that might come with a home purchase, such as garbage and recycling, water, or homeowner’s association fees. Once you decide how these expenses will change, you’ll be better equipped to leverage the information you get in step three.

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Step 3: Get Pre-Approval

Pre-Approval is a great start for understanding your purchasing power, but it’s not the only factor. A lender may pre-approve you for more than you’re comfortable spending, which is why the budget you compiled in step two is so important. The opposite can also happen, where you believe you can afford a certain payment every month, but the bank doesn’t agree. This often happens when you’re new to your job, have insufficient credit, or have bankruptcies or other financial issues in your history.

You’re not required to stick with this lender when you ultimately finance your purchase, but this process is a great way to vet mortgage providers. Also, a Pre-Approval letter can make you a more competitive candidate in multiple-offer situations.

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Step 4: Choose Your Real Estate Expert

Now it’s time to find your dedicated real estate representative! Regulations enacted in 2024 require real estate agents to obtain a signed buyer’s agreement before showing consumers homes. Of course, your agent does a great deal more than opening up listings; Your agent can help you understand your local market, identify areas and properties that fit your specific criteria, help you create competitive offers that match your financial and logistical needs, and much more.

Dedicated Service, Real Results

Finding the perfect home and navigating the purchase process can be daunting. Leverage my knowledge and expertise and enjoy your personalized real estate journey.
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Step 5: Find the Right Home

Your agent will arrange showings of properties that meet your specific criteria and price range, taking note of your likes and dislikes to further refine their search parameters. Your agent will help you explore the details — from storage to light switches to the flow of a home — and understand the pros and cons of the options in front of you. Your agent will also help you make time to explore the neighborhood and examine elements like local traffic at different times of the day, parking options, and proximity to neighborhood amenities like schools and grocery stores.

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Step 6: Finalize Your Financing

Once you’ve narrowed down your home search, it’s time to go back to the mortgage provider who pre-approved you in step three and obtain preapproval. With a property and purchase price in mind, your lender can get much more specific about your interest rate, monthly payments, the term of the loan, and special programs such as first-time homebuyer grants and loans through the VA and FHA. While you will primarily work with your bank to select the right options for you, I'm here (Your agent) to offer support and recommend a mortgage provider I've worked with in the past if you get stuck.

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Step 7: Make an Offer

Once you have selected the perfect home and have your finances in order, your agent will help you craft a fair offer price based on the value of comparable homes on the market. You’ll also work through details such as timing, contingencies, and fees. After your agent submits the offer on your behalf, your agent will help you negotiate counteroffers and reach an agreement with the seller. At this point, the house will go into escrow.

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Step 8: Have the Home Inspected

In most cases, your offer will be contingent on the home passing inspection. This protects you from purchasing a property that has serious structural issues or requires major repairs. Your agent has a list of trusted local providers, but you can hire any licensed home inspector you like. If the inspection uncovers major issues, you can withdraw from the sale or renegotiate your offer based on what needs to be fixed.

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Step 9: Obtain a Home Appraisal

The appraisal ensures that you are paying a fair price for the house. Your mortgage provider will hire an appraiser to inspect the property and offer an independent opinion of its value. Sometimes, appraisals may come in too low, which can impact the amount of money the bank is willing to lend. In this case, your agent can help you determine next steps and navigate the appeal process.

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Step 10: Complete the Paperwork

No one looks forward to all the paperwork stacked up on the closing table, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company. And, when you’re finished, you’ll be the legal owner of your new home.

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