San Ramon Realtor and First-Time Buyer Agent

I am Kirill Kayer, a San Ramon realtor and buyer agent (CA DRE #02395131) with eXp Realty. I live here. I represent buyers before any offer. I host other agents' listings, so the value is representation, not a private inventory.

San Ramon based, East Bay licensed

My practice is rooted in San Ramon and follows buyers across the East Bay. The license on every file is California DRE #02395131. Brokerage is eXp Realty (DRE #01878277). That is the same identification used in the site footer.

If you are comparing real estate agents, ask who sits on your side of the table when a listing agent already has a seller. I do buyer-rep first. We do not write an offer until you have a plan for price, terms, and diligence.

Representation, not a pocket list

I host listings that other agents bring to market. That is a brokerage function, not a claim that I control San Ramon inventory. For a buyer, the useful question is whether your agent will search the full MLS, read disclosures, and negotiate terms, not whether they "have homes."

I do not publish invented solds or a fake featured-homes grid. Current San Ramon market context lives on the San Ramon market report.

First-time buyers in San Ramon and Dougherty Valley

Many first-time buyers who hire a San Ramon agent are choosing among older San Ramon streets (including Twin Creeks), Dougherty Valley's Gale Ranch and Windemere, and nearby Tri-Valley cities. The school district for most San Ramon addresses is San Ramon Valley Unified (SRVUSD). Confirm the assigned schools for a specific street on the district's School Site Locator. Assignment can change, and the district notes that growth can affect whether a student attends the resident school.

Dougherty Valley is a large master-planned area. Many homes there have an HOA and a Mello-Roos Community Facilities District special tax. Those line items change the monthly picture even when list prices look similar. I review the tax bill and HOA packet with you before you offer. No tax amount here, because the figure is parcel-specific.

CalHFA and first-time buyer financing

California Housing Finance Agency (CalHFA) programs can help eligible first-time buyers with down payment or closing-cost assistance, usually through a CalHFA-approved lender. Income limits, purchase-price limits, and product rules change. I do not quote those limits here. If CalHFA may fit, we loop in a lender who can check current guidelines before you shop to a number that is not real for your file.

Pre-approval comes first. In San Ramon, many purchases are conventional or jumbo. FHA and other programs can apply depending on price and property type. Your lender, not a website, should name the product.