Elizabeth Moreno, Realtor, Broker Associate, DRE 01470219

10/14/2026

In 2021 buyers paid ABOVE appraised value due to lower rates. In 2026 buyers are paying BELOW appraised value due to higher rates.

As a Realtor, I can use that leverage to negotiate not only your purchase price, but also a seller concession that my lender can use to help buy down your interest rate and lower your monthly payment.

Higher rates are a seller problem. With the right strategy (offering the seller speed and certainty), this can become your greatest advantage as a buyer.

Message me and let's determine what purchase price, interest rate, and monthly payment we can negotiate for you in today's market.

Call me (510.385.3361) I am happy to help create a strategy to get you to stop paying someone else's mortgage payment and begin growing your own family wealth legacy.

10/14/2026

10/13/2026

10/09/2026

You've probably heard the Federal Reserve (the Fed) is raising rates again. And if you're planning to buy or sell a house, you may be wondering what that means for you.

10/08/2026

Read the full article to stay in the know

10/08/2026

You've spent years making your house feel like home, celebrating milestones, making each room your own, and turning neighbors into friends. As you look ahead to the next chapter of your life, it's natural to wonder if this is still the place you want to spend it.

10/07/2026

🤔 How could 7.6% mortgage rates be good news for homebuyers? 👇

Higher rates push most buyers out of the market. Fewer buyers means less competition, making sellers more willing to negotiate.

(opposed to getting caught in a bidding war and paying above appraised value)

Simply put, my clients don't have to accept today's interest rates.

Using my proven offer process, I can negotiate a seller concession for you, then work with my lender to determine how those dollars can be used to buy down your interest rate and lower your monthly payment.

So, the question is… what rate would you like?

Message me for more info and let's determine what rate and payment we can secure for you.

10/06/2026