Nayan Pandey Realty

Nayan Pandey Realty Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Nayan Pandey Realty, Estate agent, 1900 Powell Street Ste 700, Emeryville, CA.

💡 Who Can Gift Funds for Your Home Purchase?A lot of buyers don’t realize this — not all gift funds are treated equally ...
04/30/2026

💡 Who Can Gift Funds for Your Home Purchase?

A lot of buyers don’t realize this — not all gift funds are treated equally depending on the loan type (FHA, Conventional, VA, etc.).

🚫 Not allowed as gift donors:

Real estate agents
Loan officers
Builders/contractors
Developers
Sellers (in most cases, except specific scenarios like gift of equity)

✅ Eligible gift donors usually include:

Family members (parents, siblings, grandparents, etc.)
Fiancé(e) or domestic partner
Close friends with a valid relationship
In some cases, employers or charitable organizations

👉 The key is: the donor must NOT be an “interested party” in the transaction.

Every loan program has slightly different rules — so if you’re planning to use gift funds, it’s important to structure it correctly from the start to avoid delays or denials.

📩 If you’re thinking about buying and want to understand how to maximize your options (including gift funds), feel free to reach out anytime.

—
Nayan Pandey
Realtor | Mortgage Loan Originator
DRE #02174678 | NMLS #2436273
📞 469-407-5853
📧 [email protected]

🎉 Congratulations to My Amazing Buyers! 🏡✨I’m truly excited to congratulate this wonderful couple on securing their beau...
03/24/2026

🎉 Congratulations to My Amazing Buyers! 🏡✨

I’m truly excited to congratulate this wonderful couple on securing their beautiful new home here in Richmond!

From day one, their goal was clear — to find a home where their newborn can grow, be raised with love, and build a beautiful future. This wasn’t just about buying a house… it was about creating a life.

We had a few non-negotiables:
✔️ Enough space
✔️ A safe environment
✔️ Better quality of life
✔️ And most importantly, a place they can truly call “home”

We explored multiple homes, passed on options that didn’t feel right, and stayed patient. We didn’t compromise — we stayed consistent with our vision.

And that consistency paid off.

✅ Secured the home $40,000 below asking price
✅ Locked in an incredible 5.8% interest rate with no points 🔥
✅ Navigated a competitive and challenging market

But the biggest win on this transaction was this 👇

⚠️ LOW APPRAISAL from the first lender — something that could have easily killed the deal.

Instead of accepting it, we took control. We knew the value wasn’t right, and we refused to let the deal fall apart because of it.

➡️ Switched strategy
➡️ Moved to a second lender
➡️ Reworked the entire file
➡️ Got a new appraisal

🔥 Result: Appraisal came in HIGHER — even above the purchase price

This move protected my client’s equity and saved the deal.

This is exactly why I always say:
“Loan is my leverage.”

Being both a Realtor and Loan Officer allows me to control the process from start to finish — and step in when things go sideways.

And honestly, these are the moments where clients become friends.
I personally feel this journey was more than just a transaction — it was about trust, patience, and achieving something meaningful together.

🏡 A beautiful north-facing home
❤️ A place where their newborn will grow, laugh, and create countless memories

Congratulations again to this amazing couple — this is just the beginning of many beautiful chapters ahead!

If you’re thinking about buying or refinancing, let’s do it the smart way — with the right strategy.

Nayan Pandey
Realtor | Mortgage Loan Officer
Everest Capital Group
DRE # 02174678
NMLS ID: 2436273
📞 469 407 5853
📧 [email protected]

📧 [email protected]

Pandey Realty
Home Easily, Loan Smoothly

✅ Another Approval This Morning – Home Equity Loan Closed for Business Opportunity!Grateful to share that we secured a H...
03/03/2026

✅ Another Approval This Morning – Home Equity Loan Closed for Business Opportunity!

Grateful to share that we secured a Home Equity Loan approval for a client today who saw a strong business opportunity and decided to leverage the equity in their primary residence — without touching their historically low first mortgage rate.

Let me clarify something important 👇

🔎 Home Equity Loan ≠ HELOC (Home Equity Line of Credit)

They are very different:

🔹 Home Equity Loan
• Fixed loan amount
• Fixed interest rate
• Fixed 30-year repayment term
• Lump sum disbursement
• Great for a defined purpose (like buying a business)

🔹 HELOC
• Revolving line of credit
• Variable rate (usually)
• Draw period + repayment period
• Flexible usage, but rate can fluctuate

In this case, we used a Home Equity Loan — structured up to 90% Loan-to-Value (LTV) — allowing the client to:
✔️ Keep their ultra-low pandemic first mortgage
✔️ Access significant equity
✔️ Lock in a fixed second mortgage payment
✔️ Use the funds to acquire a business opportunity

This strategy can be powerful for homeowners who:
• Bought/refinanced during 2020–2022
• Have substantial equity
• Don’t want to refinance their entire mortgage at today’s rates
• Want capital for business, expansion, or investment

Instead of refinancing the whole loan and losing a 2–3% rate…
Sometimes it makes more sense to strategically layer a second lien.

And in the future?
If overall rates improve, there’s always the possibility of refinancing the full structure — but for now, this allows clients to move forward without sacrificing their existing low rate.

If you:
• Have strong equity
• See a business opportunity
• Need structured capital
• Or just want to explore options

Let’s run the numbers and see what makes sense.

Opportunities don’t wait — but smart structuring can make them possible.

— Nayan Pandey
Realtor & Mortgage Loan Originator
Everest Capital Group / Pandey Realty
DRE #02174678 | NMLS #2436273
📞 469-407-5853

“You can buy or sell without an agent.You can also buy sushi from a gas station.I wouldn’t recommend either.” 😂Real esta...
02/24/2026

“You can buy or sell without an agent.
You can also buy sushi from a gas station.
I wouldn’t recommend either.” 😂

Real estate is one of the biggest financial decisions you’ll ever make. Contracts, disclosures, inspections, negotiations, appraisal gaps, lender coordination — one small mistake can cost thousands.

Yes, you can do it alone.
But having the right professional on your side makes all the difference.

If you’re thinking about buying, selling, or refinancing, let’s do it the smart way. 🏡

Nayan Pandey
Licensed Realtor & Mortgage Loan Originator
DRE #02174678
NMLS #2436273
📞 469-407-5853
📧 [email protected]
Everest Capital Group

Time to flex 💪With access to 240+ residential lenders and 800+ commercial lenders, I bring unmatched leverage to the tab...
01/01/2026

Time to flex 💪

With access to 240+ residential lenders and 800+ commercial lenders, I bring unmatched leverage to the table—on top of full-service real estate representation.

For residential purchases, my priority remains my own active clients.
That said, if you’re looking for refinance, cash-out, DSCR, or creative financing, feel free to reach out.

Real estate is what I do.
Mortgage is the leverage I use to protect and empower my clients.

Grateful for all my 2025 clients 🙏
Now fully focused on building bigger wins in 2026 🚀

Warm regards,

Nayan Pandey
Realtor | Mortgage Loan Officer
Everest Capital Group
DRE # 02174678
NMLS ID: 2436273
Phone: 469 407 5853
[email protected]
[email protected]

12/25/2025

💼 SBA Loans Now Available!

Great news for business owners! I’m now assisting with SBA loan programs, including 7(a) and 504 financing.

Whether you’re:
✔️ Buying a business
✔️ Purchasing or refinancing commercial real estate
✔️ Expanding operations
✔️ Needing working capital

📩 DM me or call/text me to get started with an SBA loan tailored to your business.

Warm regards,

Nayan Pandey
Realtor | Mortgage Loan Officer

DRE # 02174678
NMLS ID: 2436273
Phone: 469 407 5853
[email protected]
[email protected]

12/13/2025

Thank you namaste Indian Cusine for being platinum sponsor !!

12/13/2025

Thank you for your support Binisha budhathoki jiu to make our event successful !!

The FHFA has officially announced the new 2026 conforming loan limits, and these increased limits can start benefiting h...
11/26/2025

The FHFA has officially announced the new 2026 conforming loan limits, and these increased limits can start benefiting homebuyers beginning tomorrow, November 26.

If you're planning to purchase or refinance, the higher limits may expand your purchasing power and create better opportunities under updated conventional and VA guidelines.

✅ 2026 Conforming Loan Limits
• $832,750 for VA and 1-unit conventional loans (up from $806,500 in 2025)
• $1,249,125 for 1-unit homes in high-cost counties (up from $1,209,750 in 2025)
• Increased limits available for 2–4 unit properties

If you’d like to see how these changes impact your qualification or options, feel free to reach out.

Nayan Pandey
Realtor & Mortgage Loan Officer
Everest Capital Group Inc.
DRE #02174678 | NMLS #2436273
📞 469-407-5853
📧 [email protected]

Address

1900 Powell Street Ste 700
Emeryville, CA
94608

Telephone

+14694075853

Website

http://pandey.realty/

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