- 209-880-8063
- [email protected]
- DRE # 02370585
Your story in California begins here.
Whether you’re buying your first home, downsizing, or investing, I guide you through every step with integrity, empathy, and professionalism. This is more than just a transaction — it’s the beginning of a lifelong partnership built on trust.
I believe buying or selling a home is one of the most important decisions in your life. That’s why I do more than simply close transactions — I guide you through every step of the process, making sure your best interests are always protected.
Based in Lodi, California, I specialize in the San Joaquin and Sacramento counties, helping families, first-time homebuyers, empty nesters, and investors find the right property under the right terms.
BHHS Drysdale Properties
DRE #02370585
Who I Help
Every family has a different story, and every real estate journey is unique. Whether you’re a young professional taking the exciting first step into homeownership, a family looking to right-size after the kids leave home, or a savvy investor ready to capitalize on Northern California’s dynamic market – I have the expertise, the patience, and the local knowledge to guide you to the right outcome. Three very different paths. One trusted guide.
Buying your first home is exciting — and it can also feel overwhelming. I guide you from pre-approval to the moment you receive your keys, explaining every document, inspection, and decision along the way.
Your family has grown, and now it’s time to find the right space for this new chapter. I help you sell your larger home and find a more comfortable, better-suited place to enjoy this stage of life — while maximizing the value of everything you’ve built over the years.
Looking to grow your investment portfolio or find the perfect commercial or vacation property? I use my market knowledge and negotiation skills to help you make smart investment decisions in Northern California’s dynamic real estate market.
Buy or sell your home with confidence.
Eligible clients may receive a complimentary one-year home warranty at closing.
We talk about what you’re looking for, your timeline, and your budget. No pressure — just an honest conversation.
I connect you with trusted lenders and select properties that match all your criteria.
We visit the homes you’re most interested in. I guide you on what to look for — structure, neighborhood, value, and more.
I prepare your offer and negotiate every term — price, contingencies, and closing timelines — to protect your interests.
Roof, structure, pests — I coordinate all inspections and help you evaluate every finding before you move forward.
We clear all contingencies, finalize your loan, and hand you the keys to your new home in California.
The right information leads to better decisions. Explore clear answers and practical insights to navigate the Northern California real estate market with confidence.
This is one of the most common questions I hear – and the good news is that you almost certainly don’t need 20% down. While putting 20% down eliminates the need for Private Mortgage Insurance (PMI), many buyers in California purchase with as little as 3% to 5% down through FHA loans, conventional loans, or specialized first-time buyer programs. California also offers down payment assistance programs through CalHFA that can help qualifying buyers cover their down payment and closing costs. The right down payment amount depends on your financial situation, your loan type, and your goals. I’ll connect you with a trusted local lender who will explain all your options clearly.
The minimum credit score requirements vary by loan type. For an FHA loan, the minimum is typically 580 (with 3.5% down) or 500 (with 10% down). For conventional loans, most lenders prefer a score of 620 or higher. VA loans may be available to qualifying veterans with scores as low as 580. That said, a higher credit score generally means better interest rates and lower monthly payments. If your credit score needs improvement, I can refer you to trusted professionals who specialize in credit counseling and preparation for homeownership. Don’t let a lower credit score stop you from starting the conversation – you may be closer to ready than you think.
Technically, no – California law does not require you to use a real estate agent. However, using a buyer’s agent costs you nothing (the seller typically pays both agents’ commissions) while providing you with expert representation, access to MLS listings, professional negotiation, and guidance through the complex legal and financial steps of a real estate transaction. Attempting to navigate a California real estate purchase without representation – especially as a first-time buyer – puts you at a significant disadvantage in negotiations and due diligence. My representation is free to you as a buyer, and it could easily save you tens of thousands of dollars.
I specialize in Northern California’s most vibrant communities across San Joaquin and Sacramento counties — with the full backing of Berkshire Hathaway HomeServices’ national network.
