Portal-First
Your journey, properties, paperwork, and messages in one private dashboard. No lost email threads.
Work With Ray
Three common paths — all with the same calm pace, the same private portal, and the same promise to explain every line before you sign it.
01
Home Purchase
The core of Ray’s practice. Most clients arrive pre-approved, a little nervous, and unsure if they’re asking the right questions. Ray’s job is to make sure they are.
- Neighborhood fit workshops — schools, commute, weekend life
- RSU-aware loan prep with vetted Peninsula lenders
- Shortlist + tour strategy that respects your weekends
- Line-by-line disclosure, inspection, and offer review
- Escrow shepherding — every deadline tracked in your portal
First-Home Purchase
02
Move-up & Sell
Your family grew, the condo didn’t. Ray coordinates the dance of selling and buying at the same time so nothing blows up in escrow.
- Bridge-loan vs. contingent-offer math, in plain English
- Staging & prep plan with trusted vendors
- Listing photography, launch window, and pricing strategy
- Coordinated timelines so you don’t move twice
Sell & Buy
03
Buyer Strategy Sessions
Not ready to tour? Ray runs 60-minute strategy sessions for clients who are 6–18 months out. You leave with a plan, not a sales pitch.
- Honest budget sanity-check against your Peninsula target
- Neighborhood tier list for your commute + schools
- Loan prep checklist — docs, timing, co-borrower tradeoffs
- A Matthews Group portal seat so you can lurk when ready
Strategy Session
The Engineer Advantage in Every Transaction
Contracts are just documentation with consequences. Ray reads them like code reviews — line by line, flagging anything ambiguous, and translating every clause into the plain English you asked for.
Disclosure Review
Every TDS, NHD, SPQ, and inspection read and summarized before you sign.
Numbers You Trust
Total-cost-of-ownership modeling — down payment, closing, monthly, opportunity cost.
Same Agent, Always
You work with Ray personally on every tour, every call, every signature. No handoffs.
How We Work Together
1
Discovery Call
30 minutes. Your goals, timeline, and the real questions behind the move.
2
Portal Setup
Your private dashboard is live. Journey, neighborhoods, and next steps in one place.
3
Tour & Offer
Shortlisted homes, unhurried tours, and offer strategy that protects you.
4
Close with Clarity
Escrow, signing, keys. Every deadline tracked. You move forward confident.
Which Path Fits You?
Start with a conversation — we’ll figure out the right next step together.
Book Your Consultation