Many buyers here put 20 percent down to avoid mortgage insurance and stay competitive, but some loan programs allow much less. Because Peninsula prices are high, many buyers here use jumbo loans. I'll connect you with a trusted local lender so you know your real number before you start touring.

Yes. A preapproval tells you what you can comfortably afford and shows sellers you are ready. On the Peninsula, an offer without one is rarely taken seriously, and it helps us move fast when the right home comes up.

Many do, especially well priced single family homes in spring, but it depends on the neighborhood, price point and how long a home has been listed. I study recent sales for each home you like so you know where it is likely to land before you write an offer.

Since August 2024, buyers sign a written agreement with their agent before touring homes, and that agreement spells out how the agent is paid. Sellers can still offer to cover some or all of it, and it can be part of your offer. I'll explain your options at our first meeting.

California sellers must give buyers disclosures such as the Transfer Disclosure Statement and the Natural Hazard Disclosure. On the Peninsula, many sellers also order home and pest inspections before listing. I read every report with you and flag anything worth a closer look.

Plan for lender fees, title and escrow fees, and prepaid property taxes and insurance. In San Mateo County, who pays which costs follows local custom and can be negotiated. I'll give you a written estimate before we make an offer.

Yes. Some Peninsula homes sell quietly before they ever hit the open market. Join my Off Market List and I'll reach out when a coming soon or off market home fits your search.