Let' get started on your home-buying journey where your goals are the top priority.

Welcome to Your Home-Buying Journey

YOUR LOCAL REALTOR

I’ll break down the jargon, handle the heavy lifting, and keep you in the loop at every step. All you need to do is envision your life in your new home; I’ll help take care of the rest.

Let’s keep it real: there’s a lot to navigate—from listings to viewings to the mountains of paperwork. But don’t sweat it.

Buying a home is a big deal, the kind you want to get right. . I'm here to help you sift through the options, zero in on what you love, and nail down that dream home. You deserve to feel confident every step of the way.

Because buying a home should be exciting and stress-free

I'M HERE TO HELP

Armed with in-depth market knowledge and a talent for tactics, I  negotiate deals that leave you feeling confident and happy every step of the way

INSIDER INFORMATION

Effortless coordination and meticulous planning make your real estate transaction organized and seamless, promising you peace of mind every step of the way.

ORGANIZED & SEAMLESS

Streamlined steps, personalized guidance, and clear communication define my process, ensuring your real estate experience is smooth, efficient, and entirely stress-free.

SIMPLIFIED PROCESS

hOME bUYER

Timeline

Before diving into house hunting, it's smart to sit down with a mortgage pro. Think of this as your "get prepared" phase. You'll discuss mortgage options and determine your budget. Don't forget to ask for a pre-approval letter – it's your key to knowing how much home you can afford. 

Meet Your Mortgage Pro

Step 01

STEP 01

STEP 02

Now that you've met with the lender, it's time for us to discuss what your dream home looks like. We'll cover style, budget, location, and any features that are a must for you. This is where we get into the nitty-gritty of your ideal home. 

Let's Chat About Your home

Step 2

STEP 03

Step 3

Next, 'm setting up a custom search that's all about you and what you're looking for in a home. We're talking the nitty-gritty details, the 'non-negotiables' and the 'wouldn’t-that-be-nice's. Every home that fits the bill will land straight in your inbox. See something you like? Just give me the nod, and I’ll line up showings right away!

Your Custom Home Hunt

STEP 04

Now that you found the perfect home, let’s talk strategy. We’ll hash out all the nitty-gritty details to put together an offer that’s as strong as coffee on a Monday morning. Price, inspection timelines, financial contingencies – we’ll cover it all. Let’s roll up our sleeves and get you that home! 

Crafting Your Winning Offer

Step 4

STEP 05

Once we throw our offer into the ring, the ball’s in the seller’s court—they can accept, take a pass, or hit us back with a counter. No matter their move, I’ve got your back, helping you decipher the contract’s fine print and strategize our next play. Together, we’ll navigate this to land you your home sweet home on terms that feel just right.

From Offer to Contracts

Step 5

STEP 06

Step 6

You’ll be putting down your earnest money—an upfront show of good faith that you’re serious about this purchase. Next up, we’ve got a window of time, already agreed upon in our contract, to get all our inspections sorted. Whether it’s termites, electrical quirks, or plumbing mysteries, we’ll leave no stone unturned.  

Let's Talk Escrow Basics

STEP 07

Step 7

Almost there! After your loan is processed, we'll get the "clear to close" from your lender. Next up: the final walk-through to ensure everything's perfect in your new home. Then, it's signing day - just a few i's to dot and t's to cross. And voilà, celebrate your new home - congratulations! 🎉🏡

YAY! It's Closing Time

STEP 08

Step 8

My support after closing is designed to provide you with peace of mind as you settle into your new property. Whether it's understanding your warranty, navigating the intricacies of property taxes, seeking advice on property maintenance, or simply needing recommendations on the best local eats,  I'm here for you.

Support after closing

I'll never pressure you to make a move—I'm here to educate you on all your options and guide you through. This is a huge, exciting time for you, and you deserve someone who truly has your best interests at heart.

Partnering with me means you get more than just the basic information; you get exclusive insights and local wisdom that put you ahead.

Contracts, negotiations, timelines, repairs, locations, appraisals, mortgages—so much goes into buying a home. I've refined a process that makes your experience completely stress-free. Yes, it's possible!

Because you need more than just someone to open the door

what makes it different

Top Nashville Suburbs:

10-15 miles from downtown Nashville

Avg Price Range: $600,000 to $900,000

Welcome to Franklin, an upscale suburban haven just a short drive south of downtown Nashville. Known for its exceptional schools and strong community bonds, Brentwood is perfect for families. You'll discover a variety of housing options, from elegant estates to modern developments, all amidst lush greenery. Its proximity to Nashville's amenities ensures you can enjoy the best of both worlds.

Franklin, TN

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Top Nashville Suburbs:

10-15 miles from downtown Nashville

Avg Price Range: $600,000 to $900,000

Welcome to Brentwood, an upscale suburban haven just a short drive south of downtown Nashville. Known for its exceptional schools and strong community bonds, Brentwood is perfect for families. You'll discover a variety of housing options, from elegant estates to modern developments, all amidst lush greenery. Its proximity to Nashville's amenities ensures you can enjoy the best of both worlds.

Brentwood, TN

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Top Nashville Suburbs:

10-15 miles from downtown Nashville

Avg Price Range: $600,000 to $900,000

Welcome to Hendersonville, an upscale suburban haven just a short drive south of downtown Nashville. Known for its exceptional schools and strong community bonds, Brentwood is perfect for families. You'll discover a variety of housing options, from elegant estates to modern developments, all amidst lush greenery. Its proximity to Nashville's amenities ensures you can enjoy the best of both worlds.

Hendersonville, TN

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Top Nashville Suburbs:

10-15 miles from downtown Nashville

Avg Price Range: $600,000 to $900,000

Welcome to Mount Juliet, an upscale suburban haven just a short drive south of downtown Nashville. Known for its exceptional schools and strong community bonds, Brentwood is perfect for families. You'll discover a variety of housing options, from elegant estates to modern developments, all amidst lush greenery. Its proximity to Nashville's amenities ensures you can enjoy the best of both worlds.

Mount Juliet, TN

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Mortgage Lender

Emily Wilson

Mortgage Lender

Mark Johnson

Mortgage Lender

Michael Mcvey

Mortgage Lender

Luke Hamilton

Emily Wilson

Heritage Financial

805-794-1244
805-640-1717
emily@hfloansca.com
https://www.hfloansca.com/


CalDRE License 01423562 
NMLS No. 233366

Emily, President and Certified Mortgage Advisor at Heritage Financial, has been with the company since 2001. She became a Loan Officer in 2004 and later acquired the company. Based in Ojai, Emily is dedicated to improving the mortgage experience and helping the local community achieve their financial goals.

meet Emily

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Graphic Designer of Name

Raving Client-Two

Mark  Johnson

CMG Mortgage

(818) 532-1212
markj@cmghomeloans.com
https://www.cmghomeloans.com


NMLS ID# 244919
Mark Johnson, with over 30 years in lending, is a top mortgage professional known for his adaptability and market expertise. He and his team excel in meeting clients' goals.

From Tisbury, England, Mark honed his people skills at his father's pub. He started at a premier bank at 17 and moved to Southern California at 22 after a vacation in Santa Barbara.

meet Mark

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Owner of Name

Raving Client-Three

Michael Mcvey

GEM Mortgage, Inc

(805) 573-7925
mmcvey@gemcorp.com
mortgageswithmatt.com


NMLS 1118291
Michael welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Michael has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique situation

meet michael 

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Navigating your first buy, juggling buying and selling, investing in property, or relocating—whatever your scenario, I'm here to help. Let's partner up to find the home that fits your life perfectly.

Finding Your Perfect Space

BECAUSE YOU DESERVE A HOME YOU LOVE

rEADY TO START YOUR HOME BUYING JOURNEY?

Let's Hunt for Your Home Sweet Home

let's get started today