服务项目Services
买房 · 卖房 · 投资 · 土地 · 贷款咨询 · 陪读家庭选房咨询Buying · Selling · Investment · Land · Mortgage · Student-relocation consulting
买房Buying
从需求梳理、社区与学区信息、看房、出价谈判到验房与过户，全程中英双语陪同。Bilingual guidance from needs analysis, neighborhood and school-district research, tours and offers through inspection and closing.
卖房Selling
市场比较分析、房屋整理与上市建议、专业影像与视频推广、谈判与过户协调。Comparative market analysis, preparation and pricing advice, photo/video marketing, negotiation and escrow coordination.
投资Investment
出租房、多单元及长期持有策略分析，协助评估租金、持有成本与现金流（税务问题请咨询CPA）。Rental, multi-unit and long-term hold analysis: rents, carrying costs and cash flow (consult a CPA for tax matters).
土地Land
空地与自建/开发用地咨询：分区规划、用途限制、公用设施与尽职调查要点。Vacant land and build/development sites: zoning, use restrictions, utilities and due-diligence checklist.
贷款咨询Mortgage
作为持牌贷款顾问（MLO），可协助您了解贷款流程、所需文件与常见贷款类型（常规/High-Balance、Jumbo大额、自雇Bank Statement、DSCR投资贷与外国人方案），并与购房流程无缝衔接。（NMLS# 2664031）
→ 阅读《圣地亚哥买房贷款与MLO双牌照实战指南》As a licensed mortgage loan originator (MLO), I explain loan structures (Conforming, Jumbo, Self-Employed Bank Statement, DSCR & Foreign National), required documents and timelines alongside your purchase. (NMLS# 2664031)
→ Read the San Diego Mortgage & Dual-Licensed Broker/MLO Guide
陪读家庭选房咨询Relocation for Students & Parents
为来圣地亚哥陪伴孩子就读的家庭提供学区信息、通勤、租买比较与多代同住户型筛选。For households relocating so children can attend school in San Diego: school-district info, commutes, rent-vs-buy and multigenerational floor plans.
六步完成圣地亚哥置业Six steps to your San Diego home
免费咨询Free consultation
了解目标、预算、时间线与区域偏好。Goals, budget, timeline and preferred areas.
资金准备Financing plan
贷款预批或资金证明（MLO NMLS# 2664031）。Pre-approval or proof of funds (MLO NMLS# 2664031).
选区与看房Areas & tours
按地址核实学区、通勤与户型，线上视频或现场看房。Verify schools by address, commutes and layouts; video or in-person tours.
出价谈判Offer & negotiation
比较成交数据，制定出价与条件策略。Review comparable sales and set offer and contingency strategy.
Escrow过户Escrow to closing
协调验房、评估、贷款与披露文件，直至过户。Coordinate inspection, appraisal, loan and disclosures through closing.
入住与持有After closing
房产税、保险、出租管理等后续事项的资源对接。Resources for property tax, insurance and rental management.
陪读家庭选房：我们关注什么Student relocation: what we look at
学区与学校Schools & districts
协助您使用各学区官方工具按地址核实学校归属，了解报名流程与时间节点。Help verifying school assignment by address with each district's official tools, plus enrollment steps and timelines.
多代同住户型Multigenerational layouts
筛选一楼卧室套房、ADU（附属居住单元）或独立套间等户型。Filter for ground-floor suites, ADUs or separate living quarters.
租还是买Rent vs. buy
结合居住年限、持有成本与未来出租可能性，比较租房与购房方案。Compare renting and buying based on expected stay, carrying costs and future rental potential.
圣地亚哥买房贷款与 MLO 双牌照实战指南：Jumbo 大额贷款、自雇 Bank Statement、DSCR 投资贷与跨国买家方案 →San Diego Mortgage & Dual-Licensed Broker/MLO Guide: Jumbo Loans, Bank Statement, DSCR Investment Financing & Cross-Border Buyers →
了解 Alice 如何以加州房产 Broker（DRE# 02036463）与贷款顾问（MLO NMLS# 2664031）双重视角，在出价前完成 DTI/资产储备核查、无缝协调房屋评估与 10–14 天贷款保护期，并对比南加州四大核心贷款方案。See how Alice combines Real Estate Broker (DRE# 02036463) and MLO (NMLS# 2664031) licensure to pre-underwrite your file before writing an offer, coordinate appraisals and 10–14 day loan contingencies, and compare the 4 core Southern California loan programs.
阅读买房贷款与 MLO 实战指南 →Read the Mortgage & MLO Guide → 常见问题解答Read the FAQ