Homes With Raj Singh and Vanah Sharma

10/23/2026

Getting a mortgage doesn't have to be spooky. Give me a call today to find out how I can make your home-buying or refinance process sweet!

10/14/2026

This just in: I can help you find the right mortgage option for your situation. Message me today to get started.

09/16/2026

Looking to make homeownership more affordable? A 40-year mortgage could be an option worth exploring! By extending your loan term, you could potentially lower your monthly payments, making it easier to fit homeownership into your budget. Give me a call and let's see if this option fits your financial goals!

08/12/2026

Happy International Dog Day to our loyal, loving companions! Ready to find a home with the perfect yard for your best friend? Send me a message to get started.

08/06/2026

Did you know a temporary rate buydown could potentially make your initial mortgage payments more affordable? Reach out today to see how you could get the flexibility you need in the early stages of your loan.

07/24/2026

Found your dream home? You might need to act fast! Reach out today to see how you could get an initial loan approval in as little as 15 minutes.*

07/22/2026

Just some of the texts I receive! Whether you're looking for a Condo/ Townhome or a single family home, I am here to help. DM me!

06/25/2026

A first-time buyer in Bay Area - qualified for the loan without a problem. The issue was cash to close — she was about $11,000 short after the down payment and closing costs.��We asked one question: what will the seller contribute?��The seller had been sitting on the home for 40 days. A 3% seller contribution cost them less than a price cut — and it solved the problem completely. Deal closed. So

- On owner-occupied transactions at 80% CLTV or below, sellers can contribute up to 6% toward closing costs. Above 80% CLTV, the cap is 3%. For non-owner occupied and second homes, it's 3% regardless of LTV — unless the seller is a volume builder, in which case up to 6% is allowed.
When you are tight on cash to close, the negotiation isn't over. We will find creative way and even ask seller to see if he can contribute — and know exactly how far you can take this.

Call me or email me for situations like this. I can help (510) 755-0980

06/19/2026

06/14/2026

Applying for a home loan is easier than ever with technology.