Stop juggling agents and lenders. I handle your financing and your home search together for a seamless, faster path to closing.
Not sure where to start? Download my free guide to see your next steps.
Stop guessing and start planning. This guide simplifies the complex world of South Bay real estate, from financing to keys in hand.
What’s Inside:
Get Pre-Approved: A simple explanation of loan types (FHA, VA, Conventional).
Winning Offers: How to structure a bid that sellers accept.
The Process: Step-by-step help from application to closing.
Is your current mortgage working for you? Discover when refinancing makes financial sense and how to leverage your home’s value.
What’s Inside:
Unlock the wealth tied up in your home without moving. A clear, honest explanation of how reverse mortgages work for retirement planning.
What’s Inside:
The Basics: What a reverse mortgage actually is (and isn’t).
Eligibility: Qualification rules for homeowners 62+.
Security: How to access equity while keeping the title in your name.
Selling in Los Angeles requires more than just a “For Sale” sign. Learn how to price your home correctly and prepare it to sell fast.
What’s Inside:
Pricing Strategy: How to value your home for the current market.
Prep Work: Essential tips to prepare your home for listing.
Timeline: What to expect from the moment you list to the final closing.
Getting your free guide is quick and easy. Just follow these simple steps:
Fill out the form with your name, email and phone number above.
Choose the guide(s) you want:
Check your inbox — the guide(s) will be sent to you right away.
Do you have questions about buying or financing your home?
Just pick a time that works best for you, and let’s chat.
No pressure, just a friendly conversation to help you plan your next steps.
Unlock cash from your home while living there. A reverse mortgage can make retirement easier and more secure.
Get help covering your down payment so buying your new home feels possible, even if you’re starting out.
Step-by-step support to help you buy your first home with confidence, from your initial loan pre-approval all the way to closing day.
Lower your payments or tap into your home’s value by refinancing. I’ll help you find the right option for your needs.
Expert representation for buying, selling, and listing your property. I’ll guide you through every step of the real estate process to help you get the best results.
Have questions? You’re not alone. This quick FAQ gives straight answers so you can move forward with confidence in just a few minutes.
It depends on your down payment, credit, and timeline. The guide explains FHA, VA, and Conventional in simple terms, and the call applies it to your situation.
That’s common. We’ll look at 3%–5% down options and see if you qualify for assistance programs.
Homeowners typically 62+ who want to tap home equity for retirement while staying in the home.
Yes. You keep title and must keep up with property taxes, insurance, and basic upkeep.
It can, but you can choose a term that fits your goal, shorter to finish faster, or longer for a lower payment.
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📍 Serving: Southern California
📞 Direct: 310-339-1056
✉️ Email: raybrealestate@gmail.com
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