Find Trusted First-Time Home Buyer Agents in Folsom, CA

Provided great value and customer service. I appreciate all your knowledge and help. Thank you Munish Ghai!

Munish demonstrated exceptional professionalism, deep market knowledge and unwavering dedication to help me and my wife. He provides valuable insights into different neighborhoods, school districts, safety and local amenities which helped us narrow down our search. Despite the highly competitive nature of the Bay Area housing market, Munish was able to help us locate the best options for our investment property.

I had a wonderful experience working with Munish Ghai while buying my home. The Bay Area market is very stressful and working with him was a breeze. I was guided throughout the process and felt good. It is a dream come true to have my very 1st home in the Bay Area!

We were about weeks into a home purchase, working with a national mortgage company that had pre-approved us on a specific set of terms. As the deadline approached, it became clear they weren't going to deliver — our contingencies were about to expire, and we were on the verge of losing either our deposit or the property. Neither of which were acceptable to us. A friend recommended we try Sanjeev Verma as our mortgage broker. This not normal that late into a purchase cycle and at that point I'd basically given up hope. Sanjeev got on the phone and asked for the documentation we'd already compiled, reviewed it, and within 24 hours came back with a high-confidence commitment to do the loan on the exact terms we'd originally agreed to. Even our realtor thought there was no way we'd close in the eight days we had left , and was asking us to reconsider. I am glad we didn't. Sanjeev made it happen. He worked nights and weekends with us on every document the loan required. This wasn't a simple file — it was a complicated non-QM loan with non-standard documentation. He pulled off in eight days what a major national lender couldn't deliver or would have done on terms so bad that we would have gone underwater financially. I highly recommend Sanjeev. If you're in a tight spot on a mortgage loan, he's exactly who you want in your corner. As someone told me - if Sanjeev can't do it, no one else can.

Bought a Single Family home in 2026 in North valley, San jose, CA. We had an outstanding experience working with Ellora throughout our home-buying journey in Bay Area. From start to finish, she demonstrated exceptional professionalism, deep market knowledge, and a genuine commitment to helping us find the right home. Since we were remote during the entire process, her support became even more invaluable. She went above and beyond by arranging detailed video tours, patiently walking us through every aspect of each property, and ensuring we never felt disconnected despite the distance. Her responsiveness, transparency, and willingness to accommodate our schedule made the entire experience smooth and stress-free. She was always proactive, provided honest insights, and guided us thoughtfully through every step—from house hunting to closing. We truly felt that she had our best interests at heart at all times. We are very grateful for her dedication and would highly recommend her to anyone looking for a reliable, knowledgeable, and trustworthy realtor.

Bought a Single Family home in 2025 in Tracy, CA. We had an excellent experience working with Ellora. She is patient, honest, and highly knowledgeable, and she was consistently available to address our questions and concerns. Throughout the entire buying process, she demonstrated a strong commitment to our best interests and went above and beyond to ensure everything was clearly explained. Ellora truly exemplifies excellence in real estate, and we highly recommend her. You may find a good agent, but finding the best of the best—that’s Ellora.

Bought a Single Family home in 2024 in Milpitas, CA. Ellora played an essential role in helping us achieve the dream of becoming homeowners. Her guidance and support throughout this journey were invaluable, and we are incredibly grateful for her dedication and insight during such a significant milestone in our lives. Her expertise made the entire process smoother and more memorable, and we couldn’t have done it without her. Thanks to Ellora, we are now looking forward to creating wonderful memories in our new home. She truly helped make our dream a reality

Bought a Vacant Land home in 2022 in Morgan hill, CA. Ellora helped us buy our first house. She made the experience so easy and enjoyable, especially for first-time home-buyers like us. She is quick to respond, always happy to help, and the most supportive and joyful. We recommend Ellora whole-heartedly!

Bought a Single Family home in 2018 in West san jose, San jose, CA. Ellora helped us to buy our first home last year. She patiently handled all our concerns, at times following our suggestion even against her better judgement which we greatly appreciate. She is very professional and committed.

Amazing service from beginning to end! Sanjeev was incredibly attentive throughout the entire process, keeping us informed and making sure we understood every step of our home-buying journey. He was able to help us secure a 1% rate buydown for the first year, which saved us money and made a significant difference. His expertise, responsiveness, and commitment made us feel confident and supported every step of the way. I highly recommend Sanjeev to anyone in need of mortgage or financial services!

Sanjeev made our HELOC process so much easier than we expected. He was responsive, explained every step clearly, and kept things moving without any pressure. If you’re looking for a realtor who actually knows the lending side too, I’d highly recommend Sanjeev — professional, patient, and genuinely helpful from start to finish

We recently worked with Sanjeev to set up a HELOC and couldn’t be happier with the experience. From the first conversation, it was clear he really knew the lending process inside and out — he explained the different rate structures, draw periods, and repayment terms in a way that actually made sense, without any pressure to rush a decision. He was responsive throughout, answered every question thoroughly (even the ones I asked twice), and kept the whole process moving smoothly from application to closing. It’s rare to find someone this knowledgeable who’s also genuinely easy to work with. If you’re considering a HELOC or any home loan, I’d highly recommend reaching out to him.

This review is wayyyyy... overdue . So thought I would add my review now- Better late than never ! Harish truly deserves an outstanding review, he represented me when I purchased my home last year. He was very patient with me when I saw several homes but did not want to put in an offer due to one reason or another. Finally I settled on a home and a price and did not want to change my budget. Harish effectively negotiated with the seller agent and got me the home !!!! He is very courteous, punctual, responsive and absolutely knows the process very well. I was extremely busy with my work however he was there personally overseeing every single aspect of the purchasing process be it an appraisal, home inspection, getting quotes for issues found in the home inspection, even driving to my home to pick up a check !!!! I cannot thank him enough for his help and can absolutely recommend as a 'Go To' agent if you are in the market either to buy or sell your property.

Harish helped us find our wonderful home. He was very patient, carefully listened to all our requirements and crafted a perfect itinerary to tour the houses. Within just 4 viewings we found our house and he was there to help us through closing and beyond. Very highly recommend Harish.

I’ve purchased multiple Bay Area properties with Harish, and his execution has been consistently exceptional. Beyond sharp market intelligence and disciplined negotiation, he adds real value by guiding insurance selection and presenting well-structured loan options. Every transaction is managed end-to-end with rigor—risks surfaced early, issues resolved fast, and closings kept clean. A high-trust operator who delivers outcomes and simplifies complex decisions.

I’ve purchased multiple Bay Area properties with Harish, and his execution has been consistently exceptional. Beyond sharp market intelligence and disciplined negotiation, he adds real value by guiding insurance selection and presenting well-structured loan options. Every transaction is managed end-to-end with rigor—risks surfaced early, issues resolved fast, and closings kept clean. A high-trust operator who delivers outcomes and simplifies complex decisions.

I would say Harish can make impossible to possible. My situation was little different, I was owning a primary property and I wanted to buy another property before selling my current one. Considering the bay area market, when almost all realtors didn’t agree with my idea, Harish took this challenge. He has not even bought me my dream house with a great price but also went above and beyond to find the best match for my primary property. Harish always guides us what should be the value of the property. He was with us in every step as a family member and wanted to make our home buying and selling experience stress free. He is proactive in coordinating & kept us well informed about everything that was happening at both times very promptly. I absolutely recommend Harish Monga as a 'Go-To' agent if you are in the market either to buy or sell your property.

As first-time homebuyers, we were overwhelmed, but Eminent Valley Real Estate made the entire process clear,smooth and painless! From the moment we started looking, they were patient, taking the time to explain every step, from pre- approval to closing disclosures. When it came time to make an offer, their strategic guidance was exceptional. They clearly understood the local market and helped us craft an offer that was strong without overextending ourselves. Highly, highly recommend!

Sanjeev was super helpful in finding the right loan for my family and I. He’s someone you can trust and I get great results. ??

Sanjeev was super helpful in finding the right loan for my family and I. He’s someone you can trust and I get great results. ??

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

I had an amazing experience working with Mr. Munish ji! From start to finish, they handled everything with professionalism, speed, and great attention to detail. The entire process was smooth and stress-free — they communicated clearly, answered every question promptly, and took care of all the little details that made a big difference. What impressed me most was how quickly and efficiently they got things done — from listing to closing, everything moved faster than I expected, and the results were better than I could’ve hoped for. I truly appreciate their dedication, honesty, and expertise. If you’re looking for a real estate agent who goes above and beyond and gets the job done right, I highly recommend Mr. Munish Ghai. Thank you for your brilliant and quick work! ??

I had an amazing experience working with Mr. Munish ji! From start to finish, they handled everything with professionalism, speed, and great attention to detail. The entire process was smooth and stress-free — they communicated clearly, answered every question promptly, and took care of all the little details that made a big difference. What impressed me most was how quickly and efficiently they got things done — from listing to closing, everything moved faster than I expected, and the results were better than I could’ve hoped for. I truly appreciate their dedication, honesty, and expertise. If you’re looking for a real estate agent who goes above and beyond and gets the job done right, I highly recommend Mr. Munish Ghai. Thank you for your brilliant and quick work! ??

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

I have no words to thank the best team of realtors in Lathrop Manteca our contract was about to end a few days before we wasted time looking and applying in other companies and nothing happened thanks to my daughter and of course to the team of Munish and Candy who gave us the opportunity to apply for the very beautiful houses they have to rent or buy the process was fast and safe again thank you Munish Candy team ????????

I have no words to thank the best team of realtors in Lathrop Manteca our contract was about to end a few days before we wasted time looking and applying in other companies and nothing happened thanks to my daughter and of course to the team of Munish and Candy who gave us the opportunity to apply for the very beautiful houses they have to rent or buy the process was fast and safe again thank you Munish Candy team ????????

?? 5/5 Stars - Exceptional Service from Munish Ghai! ?? My wife and I recently purchased a property in River Islands, Lathrop, and were struggling to manage the rental process while balancing our busy work schedules in the Bay Area. That’s when we found Munish Ghai, and we couldn’t be happier with his services! Munish went above and beyond to help us. He was always available, even on weekends and late evenings—once even at 9 PM! His dedication and hard work are truly commendable. Within just 10 days of retaining him, he successfully rented out our property, which was a huge relief for us. Impressed by his professionalism and results, we decided to purchase another investment property with him. Munish has completely earned our trust, and we will only work with him for any future real estate investments. His extensive network and associations with local agencies give us confidence that any unexpected issues will be handled smoothly. As property owners, having a reliable and proactive property manager like Munish has been a game-changer. He genuinely cares about the owner’s best interests and has given us immense peace of mind. If you’re looking for a dedicated real estate agent and property manager, Munish Ghai is the one to go with! Thank you, Munish, for your outstanding service and support! ?? Highly recommended!

?? 5/5 Stars - Exceptional Service from Munish Ghai! ?? My wife and I recently purchased a property in River Islands, Lathrop, and were struggling to manage the rental process while balancing our busy work schedules in the Bay Area. That’s when we found Munish Ghai, and we couldn’t be happier with his services! Munish went above and beyond to help us. He was always available, even on weekends and late evenings—once even at 9 PM! His dedication and hard work are truly commendable. Within just 10 days of retaining him, he successfully rented out our property, which was a huge relief for us. Impressed by his professionalism and results, we decided to purchase another investment property with him. Munish has completely earned our trust, and we will only work with him for any future real estate investments. His extensive network and associations with local agencies give us confidence that any unexpected issues will be handled smoothly. As property owners, having a reliable and proactive property manager like Munish has been a game-changer. He genuinely cares about the owner’s best interests and has given us immense peace of mind. If you’re looking for a dedicated real estate agent and property manager, Munish Ghai is the one to go with! Thank you, Munish, for your outstanding service and support! ?? Highly recommended!

Am coming here just to give my feedback on CANDY. I was looking for a home for rent in Manteca or Lathrop & I came across Candy's homes ?? And all I have to say is THANK YOU VERY MUCH CANDY! You have been great since day one with me & my family. If you are looking for a home this is the person you want to call she will walk you through the process & options fast, clear & direct to the point without time wasted. Thank you so much CANDY! We owe you a tea ??

Am coming here just to give my feedback on CANDY. I was looking for a home for rent in Manteca or Lathrop & I came across Candy's homes ?? And all I have to say is THANK YOU VERY MUCH CANDY! You have been great since day one with me & my family. If you are looking for a home this is the person you want to call she will walk you through the process & options fast, clear & direct to the point without time wasted. Thank you so much CANDY! We owe you a tea ??

nice and friendly staff helping for find rental property in lathrop ????????

nice and friendly staff helping for find rental property in lathrop ????????

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Candy has been a big help all throughout these years , she’s always been a good communicator and she has our best interest whenever we ask for help , I highly recommend Munish because the service is spot on! ??

Candy has been a big help all throughout these years , she’s always been a good communicator and she has our best interest whenever we ask for help , I highly recommend Munish because the service is spot on! ??

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Munish is an exceptional real estate professional who genuinely understands and caters to his clients' needs. I am impressed by his professionalism and extensive knowledge of market trends in the area he serves. Throughout the process, even during moments of anxiety, Munish remained composed and assured, offering expert guidance on positioning our house for a successful sale in a dynamic market. I wholeheartedly recommend Munish and would gladly choose him as our agent for any future real estate endeavors. Thank you, Munish Ghai, for your invaluable assistance and exceptional support!

I’m glad that my family found a awesome realtor like Munish Ghai. He had answered our answer within few minutes. A very helpful service they have. Thank you Munish Ghai.????

I’m glad that my family found a awesome realtor like Munish Ghai. He had answered our answer within few minutes. A very helpful service they have. Thank you Munish Ghai.????

Munish and his team are very reliable and made it easy to reach out to . Made moving so much easier with good communication from both ends ???? 10/10

Munish and his team are very reliable and made it easy to reach out to . Made moving so much easier with good communication from both ends ???? 10/10