Our Listings
1980 Shea Dr., Pinole, CA Service First Real Estate Short Sale
1980 Shea Dr
Pinole, CA
Great 3/2 needs new owners! Make an appointment today to see this wonderful property. Bamboo floors, beautiful tile and vaulted ceilings accent this home. This home has a nice courtyard that you can access from the dining room or living room. Access to the 2 car garage is from the rear. Imagine the possibilities for this home! 
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37 Nunes Dr.
Novato, CA

Amazing home on a cul-de-sac in the hills of Novato on approx 1.25 acres! Open kitchen w/ built-in appliances and ample storage. Formal dining room has sweeping valley views. The living room has a stunning wood-beam vaulted ceiling. The easy layout is great for entertaining. Level outdoor space - potential for a tennis court, pool & more. 
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7335 Sheffield  Ln.
Dublin, CA

Cute as a button contemporary home in a quiet neighborhood near schools and parks. This home has been lovingly maintained. It has an updated eat-in kitchen, formal dining room, living room with fireplace, 3 nice size bedrooms and 2 bathrooms. The nicely landscaped front & rear yard.
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500 Grove Ave.
Richmond, CA

Built in 2003, this home has an open layout w/ lots of room for everyone! The spacious living room has a wood burning fireplace. The kitchen is open to the dining room. This home boasts 4 big bedrooms w/ good size closets and 2 full bathrooms. Both baths have separate showers & tubs. This home is fully encompassed by a lovely white wrought iron fence. In addition to the 1 car garage, there is off-street parking for at least 4 cars!
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3560 Miflin Ave, El Sobrante-Service First Real Estate Short Sale
560 Miflin Ave.
El Sobrante, CA

Charming El Sobrante home with a great layout waiting for a new owner! This home features a spacious living room w/ real wood burning fireplace, an open kitchen w/ beautiful granite counter tops and lots of storage & a nice size dining room that opens to the yard.  The front yard has beautiful flowering trees, a rose tree and other flowering bushes. The back yard has flowering vines, a delicious lemon tree and wonderful rosemary bush!
Currently pending but contact us to make a back-up offer!
More information.

920 39th Street, Oakland-Service First Real Estate Short Sale
920 39th St.
Oakland, CA

This incredible home has been lovingly cared for and is now available for a new owner! This home has a large entry that flow to the separate living and dining rooms. The main level has 1 nice size bedroom and bath. Also on this level is a small bonus room that would be perfect for an office/study or child's play room. This is a split-level home. Up a short flight of stairs is the master suite. The master suite has a very nice size bedroom and an incredible bathroom with separate shower and tub. There is interior access to the finished basement which contains a utility room, laundry area and bonus room with closet (currently being used as a 3rd bedroom). This home has awalk score of 74! 3 blocks to BART and minutes to 580, 80, 24 and 880. This is a wonderful home.
Currently pending but contact us to make a back-up offer!
More information.
Getting Started


Buying a home in the Bay Area has become a complex process. Although the basic steps have not changed, each step now requires more patience and diligence. The time to complete all of the steps can vary greatly depending on the type of transaction (regular, short sale or bank owned). Our goal is to educate buyers so they understand the process and are prepared every step along the way.

Here is the basic process:
  1. Contact Service First Real Estate. During our initial conversation, we will discuss the buying process and make sure that you are either pre-approved or prepared for the pre-approval process.
  2. Get pre-approved for financing. Getting a loan today is more complex than ever. There are fewer types of loans and companies to choose from these days. The type of financing you choose Here is a quick list of the most commonly required documents that will be required:
    • Pay stubs for the past 30 days
    • Federal tax returns for 2009 and 2010 with all schedules and W-2s
    • Bank statements for checking and savings accounts for the past 2 months
    • Most recent asset statement accounts (IRA, 401k, etc.)
    • Copy of your driver’s license
    • Complete a full loan application

  3. Search for a home. We can arrange for you to receive home listings via email so that you are the 1st to know when a property that meets your criteria hits the market.

  4. Make an offer. Most offers consist of the standard California Association of Realtors (CAR) Residential Purchase Agreement, CAR Buyer’s Inspection Advisory and Agency Disclosure. If the offer is for a short sale, you will also need to complete a CAR Short Sale Addendum. If the offer is for a bank owned property, you may need to complete a bank addendum provided by the bank/owner. If the seller accepts your offer, you will proceed to Step 5. If the offer is for a short sale property, the seller will need to obtain their lender’s approval of the offer. This can take several months depending on the lender and how many loans are on the property.

  5. Make a good faith deposit to escrow. Within 3 days of the seller’s acceptance of your offer, you will deposit funds to an account established with an escrow company which will serve as the 3rd party record keeper for the transaction.

  6. Inspect the property. Your purchase contract will specify how many days you have to complete your inspection of the property. In addition to the inspections performed by professional inspectors, you will also review a disclosure package provided by the seller and other documents provided by the title company and homeowner’s association if applicable. If you are not satisfied with the condition and we cannot negotiate with the seller to rectify the situation, you can cancel your purchase and your deposit will be returned. A licensed professional will handle your inspections. Other inspections may be performed if suggested as the result of one of the commonly scheduled inspections below:
    • General Home Inspection
    • Termite Inspection
    • Roof Inspection

  7. Obtain full loan approval including an acceptable appraisal. This is where your choice of mortgage professional becomes very important. It is his or her job to order the appraisal and obtain the loan approval within a time period specified by the contract. Some sellers penalize buyers for not closing escrow within the timeframe specified in the contract. The penalty is usually a daily charge ranging from $50 to $150. Your job during this period is to return any document your mortgage professional requests ASAP since delays may be very costly for you! To make the process go as quickly and smoothly as possible, you should make sure you have given your mortgage professional a complete loan application and all documents listed in Step 1. If more than 30 days have passed between the time you completed Step 1 and the seller’s acceptance of your offer, you will need to provide updated your documents (pay stubs, bank statements and asset account statements) to your mortgage professional. If you are unable to get a full loan approval, including an acceptable appraisal within the timeframe set forth in the contract and the seller will not provide you an extension in writing, you can cancel your purchase and your deposit will be returned.

  8. Release your contingencies. Once you are satisfied with the condition of the property and you have received a full loan approval, all contingencies are released in writing.

  9. Sign final documents and make the final deposit to escrow. Your final documents will consist of your loan documents and other legal documents such as your deed. Your final deposit will be the difference between your purchase price plus transaction costs (usually 1.5%-3% and include your costs to obtain your loan, title policy, escrow charges, items required to be paid in advance, etc.) minus your good faith deposit.

  10. Loan funds. Your lender wires funds to the escrow company.

  11. Escrow closes. Normally the day after the loan funds, escrow will close. Loans are normally funded Monday – Thursday. It’s your home-sweet-home and you are given the keys!

From the time you begin your home search until you close escrow, you must not do any of the following:

  • Apply for new credit
  • Make major purchases
  • Make unusual deposits to your bank accounts (no deposits other than your normal pay any unusual deposits will have to be explained in writing and sourced)
  • Change jobs