Underwritten, not just pre-qualified
We review credit and structure the loan in-house, so your offer carries an approval listing agents take seriously.
Free home valuation
What's your home really worth?
Get a personalized valuation from our team, based on real comparable sales near you, not an automated guess. No commitment.
Listings
Featured listings
For sale$799,000
1300 Garvin Avenue
Belding Woods · Richmond, CA 94801
Vacant duplex5 + bonus bd4 ba2,452 sq ft
View this home →
For sale$899,000
767 Lemos Avenue
College Manor · Salinas, CA 93901
Single-family home3 bd2 ba1,303 sq ft
View this home →Recent sales
Sold$860,0005016 Escalon CirRichmond, CA
Sold$615,0004968 Buckboard WayRichmond, CA
Sold$575,000215 W Santa Cruz WayMountain House, CA
Sold$500,0002266 E Main StEast Quincy, CA
Sold$475,000262 Tradewinds Ct Apt 4San Jose, CA
What we do
Three ways clients work with us
You are never required to use both services. Take the part you need and leave the rest.
Buying
Full representation across residential, investment, and commercial property, from the first Saturday of touring to the day you get keys.
- Search built around your real monthly budget
- Neighborhood guidance
- Offer strategy and negotiation
- Inspection findings and repair credits
Selling
Pricing, prep, and marketing built for how today's buyers actually search.
- Comparative market analysis
- Staging and pre-list repair plan
- Professional photography and floor plans
- Buyer financing vetted before you accept
Financing
Conventional, FHA, VA, and jumbo, structured around your file, not a rate sheet.
- Purchase and refinance
- First-time buyer and down payment programs
- Self-employed and 1099 income
- Investment, commercial, and second homes
Calculators
What would a house actually cost you?
Quick estimates of your monthly payment and your buying power. Send us an address and we'll replace these defaults with real numbers. See all 10 calculators →
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Loan type
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Estimated monthly payment
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- Principal & interest
- Property tax (est. 1.1%)
- Home insurance
- Mortgage insurance (est.)
- Estimated monthly payment
The rate starts at 7.00% as an example of current market rates; move the slider to try your own. Estimate only. Tax and insurance figures vary by address, county, and carrier. This is not a loan commitment, a rate lock, or an offer to extend credit. Rates change daily; the numbers above reflect only what you entered. Pandey Realty NMLS #2877353.
Where we work
Licensed across California
Our team serves buyers, sellers, borrowers, and investors throughout California, including these communities and many more.
EnglishHindiPunjabiUrdu
HerculesPinoleRichmondEl CerritoSan PabloBerkeleyOaklandConcordWalnut CreekLafayetteOrindaMoragaDanvilleFremontLivermoreSalinas
Reviews
What clients say
★★★★★5.0 across 8 Zillow reviews of our founder, Nayan PandeyRead all of them →
“Nayan made my home-buying process smooth and stress-free. He understood my needs, guided me through every step, and also helped with the mortgage…”
“After being rejected and overlooked by other realtors in the past, I was starting to lose hope…”
“Nayan went above and beyond and made the deal happen. He worked on it relentlessly for months…”
“Nayan went above and beyond expectations in helping us buy our first home…”
Contact
Start a conversation
Tell us where you are in the process. A licensed member of our team will get back to you. No pressure, no drip campaign.