Your home. Your loan. Your advocate.
Where the money comes from
This comes out of John’s own fee, and it only exists because he is representing you on the purchase. When it applies, it goes straight to escrow and lands on your closing costs. No money reaches your hands, and it is not a grant or a down-payment program.
Say what you are planning
A short form. Your name, how to reach you, and what you are hoping to buy.
Talk it through with John
He walks you through working together and what he can put toward your costs. The seller has to agree to pay his fee.
Find out what applies
Your lender and loan program decide how much of it can land on your closing costs. That number goes in your paperwork.
Your buyer-side advocate
The home and the loan, handled together.
John has been doing this in California for 36 years, as both a real estate broker and a senior loan officer. That means the house and the loan are being handled by the same person, so the two halves of your purchase stay in step instead of talking past each other.
Plain language, always. We’ll walk you through it.
Straight answers
Will it cover everything?
Sometimes all of it. Sometimes part. And on some purchases, none of it. You will have the real number before you are committed to anything, so do not build your budget around it until then.
Am I signing up for something?
No. The form starts a conversation, nothing more. Working with John and getting a loan are two separate agreements, and you will read both before you decide anything.
