You're ready. We'll walk you through every step.
First-time California buyer. The process can feel overwhelming. We make every step clear.
We make the complex simple, so your first home doesn't have to feel like your hardest decision.
From pre-approval to closing. One call.
Your home. Your loan. Your advocate. We'll walk you through it. In plain language, transparent process, no surprises.
Takes about five minutes. We'll walk you through it.
John Palmer · Real Estate Agent & Broker · Sr. Loan Officer · CA DRE 010-55719 · NMLS 240187
36 years
CA real estate experience
$1B+
in California closings
24–48 hrs
a clear answer
100%
buyer-side loyalty. Always.
Who we serve
Built for one person: the buyer.
Whether you're buying your first home, moving up, or relocating to California, you deserve an advocate working only for you.
You've done it before. Now do it smarter.
You know the basics, but the California market has changed. You need strategy, timing, and a coordinated sell-and-buy plan, not a one-size-fits-all agent.
You've been through this. Now do it smarter, with an advocate who knows the CA market.
Moving in or to CA? We're your eyes on the ground.
Relocating within California, or coming from out of state. Either way, you need a trusted local voice who knows the market and moves at your pace.
Moving to California? We'll be your eyes, ears, and advocate on the ground.
How it works
Here's what to expect.
Five steps from intake to keys. We'll walk you through each one.
STEP 01
Apply
A short intake form. Tell us your goals, timeline, and where you are right now. Takes about five minutes, no commitment.
STEP 02
Qualify
We review your file and determine your purchasing power. A clear answer in 24 to 48 hours.
STEP 03
Documents
Upload your file securely through your portal. We'll walk you through every doc you need.
STEP 04
Pre-approval
You get your pre-approval. For most buyers, that's backed by a Fannie Mae Desktop Underwriter (DU) certificate. Real underwriting, not just a lender's letter.
STEP 05
Your home
Pre-approved and represented, you're ready when the right home appears. From offer to escrow to keys, John handles the rest.
Why cahbi
Built to put you first.
L01
Buyer-first advocacy
Our loyalty is undivided. Every decision, every recommendation, every negotiation. It's in your interest, not the seller's, not the lender's. Yours.
Your corner, your advocate
L02
One license, start to finish
John handles both sides of your transaction: the home and the loan. No handoffs between agents and lenders. One professional, every step.
One call, one trusted hand
L03
Savings by design
We work for the buyer, full stop. The way we structure each transaction creates structural savings on every California closing.
Designed to save you money
L04
Plain language, always
Real estate has enough jargon. We explain every step in clear, plain language. Clear timelines, transparent process, no surprises.
No surprises, just progress
L05
Fannie Mae underwriting upfront
For most buyers, your pre-approval is backed by a real Fannie Mae Desktop Underwriter (DU) certificate. Walk into any listing in California with the offer-power that takes.
Underwritten before you offer
Your broker
John Palmer
Real Estate Agent & Broker · Sr. Loan Officer
CA DRE 010-55719 · NMLS 240187
John Palmer has spent 36 years helping California buyers navigate one of the most complex real estate markets in the country. He carries both a real estate broker license and a loan officer license, so he handles the home and the loan. One call. No handoffs. No conflicting interests.
The way he works is different by design. Most buyers get a Fannie Mae Desktop Underwriter (DU) certificate, not just a soft letter. That means you walk into any listing pre-approved with the offer-power to compete.
Dual-licensed
Real Estate Agent & Broker and Sr. Loan Officer. One professional. One relationship. Start to finish.
Over $1 billion in California closings
36 years representing buyers across California. John has seen every market condition there is.
Fannie Mae underwriting upfront
John runs real Fannie Mae Desktop Underwriter (DU) analysis before you offer. Not a soft pre-qual. Real underwriting.
From pre-approval to closing. One call.
A clear answer in 24 to 48 hours. One professional from first call to closing. Plain language at every step.