Your home buying
journey.
A clear, step-by-step path from "I'm thinking about buying" to "I'm home."
Buying a home is one of the biggest financial decisions you'll ever make. With my CPA background and 25+ years of real estate experience, I'll help you make informed decisions at every step — from understanding your budget to closing day.
Get Pre-Approved
Before you start looking, understand your budget. I'll connect you with trusted local lenders who can get you pre-approved quickly. A strong pre-approval gives you leverage when you find the right home.
As a CPA, I can help you understand how different loan structures affect your monthly budget and long-term wealth building.
Define Your Needs
What matters most — school districts, commute times, outdoor space, a home office? We'll create a clear picture of your priorities so every showing is purposeful and every decision is informed.
I serve buyers across Monterey, Santa Cruz, San Benito, and Santa Clara Counties — each area offers unique lifestyle advantages.
Search & Tour Homes
I'll set you up with personalized listings and guide you through homes that match your criteria. Every property we visit, I'll help you see beyond the staging to the real value and potential issues.
With 542 homes sold, I know what to look for — and what to look out for.
Make a Competitive Offer
In the Central Coast market, timing and strategy matter. I'll help you craft an offer that's competitive yet protects your interests, using market data and negotiation expertise.
My CPA background means I can analyze the financial implications of every term in your purchase agreement.
Navigate Inspections & Escrow
Once your offer is accepted, inspections, appraisals, and contingencies can feel overwhelming. I'll walk you through each step, explain what matters, and handle any issues that arise.
Where clients often get stuck: inspection results and rising interest rates or expired loan lock. I help you navigate these challenges proactively.
Close & Move In
Final walkthrough, signing day, keys in hand. I'll be with you through the finish line and beyond — because my relationship with you doesn't end at closing.
Many of my clients become lifelong friends. That's the kind of agent relationship you deserve.
Frequently asked questions.
How much do I need for a down payment?
Down payments vary by loan type. Conventional loans may require as little as 3% down, while VA and USDA loans can be zero down. I'll help you understand all your options.
What credit score do I need?
Requirements vary by lender and loan program. Generally, a score of 620+ opens conventional options, while FHA loans may accept scores as low as 580. Let me connect you with lenders who can evaluate your specific situation.
How long does the buying process take?
From pre-approval to closing, the typical timeline is 30-60 days once you're under contract. The search phase varies — some buyers find their home in a weekend, others take a few months.
Should I get pre-approved before looking at homes?
Absolutely. Pre-approval tells you exactly what you can afford, and sellers take pre-approved buyers much more seriously. It's the essential first step.
Ready to start your search?
Let's talk about what you're looking for. I'll help you find the right home at the right price in the right neighborhood.
Schedule Your Free Consultation