Your first home,
handled end to end.
Real estate and home loans under one roof, so first-time buyers are not chasing two teams.
Homes we are showing this week
Run the numbers before you fall in love with a house
Move the sliders for a quick estimate of principal and interest. We will confirm taxes, insurance and program options on your call.
Principal & interest only. Not a loan commitment.
Four steps from first call to keys
Free consultation
Twenty minutes on the phone. Budget, timeline, credit, and what you actually want in a house.
Free consultation
Twenty minutes on the phone. Budget, timeline, credit, and what you actually want in a house.
Pre-approval
We handle the loan side in house, so your offer is credible the day you write it.
Tour and offer
We show homes on your schedule and write offers that hold up in a competitive market.
Close and move in
One team through escrow, appraisal and signing. You get keys, not a runaround.
First-time buyer questions, answered plainly
Still unsure? Email Dhruv and we will answer without a sales pitch.
Less than most people think. First-time buyer programs in California can start at 3 to 5 percent, and some loans go lower. We will map your options on the first call.
Yes. Pre-approval tells you your real budget and makes your offer competitive. Most of our buyers are pre-approved within 48 hours.
Many programs work from the low 600s. If you are below that, we will tell you exactly what to fix and roughly how long it takes.
Fewer handoffs. Your agent and your lender are looking at the same file, so deadlines in escrow do not slip while two companies email each other.
The consultation is free and buyer representation is typically paid at closing. We will put the numbers in writing before you commit to anything.
From the blog
All guides →Let’s talk about your first home.
No pitch, no obligation. Just the two people who handle both the house and the loan, from your first question through to the keys.
Not sure you’re ready? That’s the call.
You don’t need a budget worked out, a pre-approval, or a house you like yet. Twenty minutes with Sonny or Dhruv and you’ll know roughly what you can afford, what it would cost monthly, and what to fix first.
Free, no obligation, and buyer representation is typically paid at closing. Sonny or Dhruv replies within one business day — not a call center.