Real Estate and Mortgage Support for Your Clients

A collaborative resource for wealth, tax and legal professionals.

REAL ESTATE AND MORTGAGE SUPPORT FOR CLIENTS WITH COMPLEX COMPENSATION

Christy’s California Capital and Realty provides coordinated real estate and mortgage services for clients whose financial circumstances require more planning than a standard pre-approval. Based in San Francisco, Christy Dumlao works with AI and technology professionals, executives, founders, business owners, investors and other clients whose finances may include equity compensation, variable income or multiple asset sources.

ONE PROFESSIONAL COORDINATING REAL ESTATE AND FINANCING

As both a California Real Estate Broker and Mortgage Loan Originator—and the owner of her mortgage brokerage—Christy can evaluate the proposed property and financing strategy together.

This integrated approach may help clients:

• Establish realistic purchasing parameters before beginning a property search
• Identify potential income-documentation issues early
• Evaluate financing options in relation to a particular property
• Maintain a clear paper trail when investment assets are used in the transaction
• Coordinate real estate deadlines with mortgage requirements
• Reduce communication gaps between the real estate and financing sides of the transaction

WHEN A CLIENT MAY BENEFIT FROM AN EARLY REVIEW

Christy welcomes introductions to clients whose circumstances may include:

• Restricted stock units, stock awards or other equity compensation
• Annual, performance or discretionary bonuses
• Commission or other variable income
• Concentrated stock or investment positions
• Recent employment, promotion or compensation changes
• Startup, founder, consulting or business income
• Multiple businesses, properties or financial accounts
• Jumbo, conventional or private-lending considerations
• A planned sale and purchase requiring coordinated timing
• A relocation to or within the San Francisco Bay Area

A preliminary review does not guarantee loan approval, but it can help identify documentation needs, potential obstacles and financing alternatives before the client makes an offer or a significant financial change.

COLLABORATION WITH THE CLIENT’S ADVISORS

With the client’s authorization, Christy can coordinate with the client’s wealth advisor, CPA, tax professional, attorney or other professional advisor regarding information relevant to the real estate and mortgage transaction.

For example, Christy can explain:

• What funds and documentation may be required by the lender
• How RSUs, bonuses, business income or investment assets may be evaluated for a particular loan program
• What financial transfers or stock-sale documentation may be needed for underwriting
• How proposed financing terms could affect the timing and cash requirements of the purchase
• Which transaction decisions should be reviewed with the client’s tax, investment or legal advisor

Christy does not provide tax, securities, investment or legal advice. Each professional remains responsible for advice within their own licensed or qualified area. The goal is to help the client make informed decisions without allowing the real estate transaction to disrupt the broader financial plan.

A THOUGHTFUL REFERRAL EXPERIENCE

Clients receive a confidential, individualized review of their goals, compensation, available assets and anticipated property purchase. When appropriate, Christy can assist with both the property search or sale and the mortgage process, providing one consistent point of coordination from initial planning through closing.

Professional advisors are kept appropriately informed—with the client’s permission—and Christy respects and protects the advisor’s existing client relationship.

LET’S CONNECT

If you serve a client who is considering a real estate purchase, sale or financing decision, Christy welcomes the opportunity to discuss the situation before the client begins making offers or moving funds.

Christy Dumlao
Broker/Owner | California Real Estate Broker | Mortgage Loan Originator
Christy’s California Capital and Realty
San Francisco, California
415-654-2454
christyscaliforniarealty.com

California DRE License #01474985
Individual NMLS ID #1335033
Company NMLS ID #1714726

Mortgage and financing services are subject to lender approval, underwriting, borrower qualification, property eligibility and program availability. Equal Housing Opportunity.

Real Estate Broker, California Department of Real Estate License #01474985 | Individual NMLS ID #1335033 | Company NMLS ID #1714726

We acknowledge that we operate on the stolen ancestral homeland of the Ramaytush Ohlone people, specifically the Yelamu tribe.
We give respect and reverence to those who came before us.

Christy's California Capital and Realty is committed to compliance with all federal, state, and local fair housing laws. We do not discriminate on the basis of race, color, religion, sex, gender, gender identity, sexual orientation, familial status, marital status, national origin, ancestry, source of income, disability, or any other protected status. We provide equal housing opportunities to all applicants and residents.