No bridge financing. Home-sale proceeds wire directly into the foothills close on the same business day. Costs the least; works only when both contracts cooperate.
Sara and James specialize in the one transaction most agents won't take on — selling your California home and finding your foothills one, on a single coordinated calendar.
San Jose and Silicon Valley, Sacramento, Modesto, San Francisco and the East Bay. No referral hand-off — Sara runs the listing start to finish. (Staging available at additional cost.)
We tour you, advise on schools and septic, write the offer, and hand you the keys — coordinated to your home's close.
Two transactions, one timeline. No relay race between an out-of-area listing agent and an in-area buying agent who've never spoken. Every date moves together because one team owns both.
Your metro home needs a different playbook than the cabin you're buying. Sara's years of PR work show up here: pre-list strategy, photography that performs on Compass and Zillow, a deliberate sequence of open houses, and a written marketing plan with weekly numbers.
Three real ways to handle the gap between sale and purchase: concurrent close, bridge loan, or rent-back. We walk you through the math on each — what they cost, what they cover, what they break — before you have to choose.
No bridge financing. Home-sale proceeds wire directly into the foothills close on the same business day. Costs the least; works only when both contracts cooperate.
Every contingency is leveraged. Inspection days have to line up. Sellers have to agree to a same-day close. We've done this 14 times — it can be done; it requires hands on every clock.
First-time sellers, sellers without significant cash reserves, sellers who can't carry two mortgages even for a week. The most common scenario we run.
Bridge loan typically 8.5–10% APR for 6 months. We work with three Calaveras-area lenders who price competitively for cross-county relocations.
You're already up here when your home shows. An empty home photographs better, open houses are easier to schedule, and there's no choreography around your daily life.
Sellers with substantial home equity, retirees, anyone with strong reserves who would rather pay for breathing room than gain a few thousand on the sale price.
Buyer typically accepts a 30–60 day rent-back at market rate. You hold your equity in cash until the foothills purchase closes. Average net cost: $4–7K total.
Your buyer must agree to the rent-back upfront — strongest in a competitive seller's market, hardest when inventory is loose. We script this into the listing strategy from Day 0.
Buyers who know they want the foothills but don't yet know which town or which house. The rent-back gives you 30–60 days of cash-funded calendar to walk it correctly.
A written marketing plan customized to your home, your block, and your market. Sara lists it herself — no referral hand-off, no out-of-area co-agent. She's your single point of contact on both sides.
Most buyers think they know which town. Most are wrong on their first guess. We start with discovery — three half-day visits, six towns, the questions that distinguish lifestyle fit from spreadsheet fit.
Concurrent close, bridge loan, or rent-back — whichever the math favored back in step one. We write the offer, manage inspections and appraisal, and choreograph the two closes so the keys line up.
Marketing & the sale side. Sara runs the listing herself, writes the marketing plan, and stays on point through both closes. Buyer-side, she's your tour agent in Murphys, Sutter Creek, Angels Camp, and Copperopolis.
Land, water, and the rural deep-dive. For anyone moving onto a parcel — five acres, ten, forty — James is the technical second opinion: water rights, well capacity, septic age, fire-zone status, road maintenance agreements. The questions that derail closings if no one asks.
Kathy had carried the same picture since she was a little girl — a front porch to call her own. Sara sold her Walnut Creek home and found the Murphys house that finally had it. She's a happy foothills resident now, coffee in hand, right where she always knew she'd end up.
— Kathy · home in Murphys
Laura was ready to trade the Sacramento grid for moving water. Sara sold her city place and got her up to a cabin by the river in Wilseyville — the kind of quiet you can actually hear.
— Laura · riverside in Wilseyville
Cheri and Jim spent thirty years in the San Jose home they started married life in. Sara sold it and moved them up into Forest Meadows — the gated enclave above Murphys — into high ceilings, a kitchen worth cooking in, and a deck built for morning coffee and a life well lived.
— Cheri & Jim · Forest Meadows, Murphys
Robert wanted everyone he loved under one roofline. Sara sold his Modesto house and settled the whole family — his young daughter, his wife, and his mother-in-law — into a parklike stretch of Valley Springs, with an ADU for Mom and a detached garage workshop that's finally all his.
— Robert & family · Valley Springs
A relocation conversation starts with these, not with listings. If you can answer most of them, we can model your timeline within a week.
Not Zillow. Sara pulls comps and walks the property in week one.
This drives bridge eligibility and net-proceeds math.
Reserves matter more than purchase price. We model three scenarios.
School year, lease end, retirement date — these shape the timeline.
Most foothills towns now have it. A few addresses still don't.
Tax, insurance, lender posture all shift on this answer.
If land, James starts; if in-town, Sara starts.
Insurance reality varies wildly. Some parcels can't be insured.
Shapes lot size, garage spec, HOA fit.
This is the question that picks the town. Hardest to answer; most important.
Twenty minutes, no pressure, no commitment. We'll tell you whether what you're picturing is a six-month conversation or a six-week one.