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 representation.
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
If you qualify, John may issue a written pre-approval or explain the next steps before one can be issued. For some conventional-loan files, that review can be supported by Fannie Mae Desktop Underwriter (DU) findings. DU findings are not a final loan approval.
STEP 05
Your home
Represented and ready, you can move quickly 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
Efficient by design
We work for the buyer, full stop. With your home and your loan handled in one coordinated process, the transaction keeps moving, without the delays and gaps that come from juggling separate agents and lenders.
Built to move efficiently
L04
Plain language, always
Real estate has enough jargon. We explain every step in clear, plain language. Clear timelines, a transparent process, every step explained.
Clear at every step
L05
Fannie Mae underwriting upfront
For some qualified conventional-loan buyers, the pre-approval review can be supported by Fannie Mae Desktop Underwriter (DU) findings. DU findings are not a final loan approval.
DU-supported, where it fits
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 blind handoffs. One professional accountable to you.
The way he works is different by design. On some conventional-loan files, John uses Fannie Mae Desktop Underwriter (DU) findings to support your pre-approval review. DU findings are not a final loan approval, but they help you make a stronger offer.
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 may use Fannie Mae Desktop Underwriter (DU) findings to support your pre-approval review on some conventional-loan files. DU findings are not a final loan approval. Not a soft pre-qual.
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.