Elmira Buhayova, Realtor

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Elmira Buhayova, Realtor Elmira Buhayova Realtor in Los Angeles & Loan Officer in Los Angeles & Author of ""My Secret Wealth of Information "

With over 22 years of experience as a Certified Public Accountant, financial analyst, and lending expert, Elmira Buhayova brings a rare and powerful combination of precision, strategy, and negotiation mastery to the real estate market. Now a full-time Realtor® specializing in Ventura and Los Angeles counties, Elmira doesn’t just list homes—she builds tailored selling strategies backed by data, deep market understanding, and human insight. Known for her obsession with numbers and the psychology behind buyer behavior, Elmira evaluates every property like an investment portfolio and positions it to command maximum value. She is fiercely dedicated to her clients, acting as their advocate, negotiator, and trusted advisor throughout the entire process. Sellers consistently praise her for her analytical mind, tenacity, and unwavering focus on results. Elmira is not afraid to push hard, speak up, and defend her clients’ equity like it’s her own. If you're ready to sell smart, move fast, and work with someone who plays to win—Elmira Buhayova is the expert you want in your corner.

Seller Question #17: How much negotiating room should we include?We should not add an arbitrary cushion. We should pric...
10/10/2026

Seller Question #17: How much negotiating room should we include?

We should not add an arbitrary cushion. We should price against the competition and evaluate each offer by price, financing, contingencies, credits, timing, and probability of closing. A buyer who believes the price is unsupported may not negotiate at all; that buyer may simply move to the next property.

Planning a sale? Message me for a property-specific strategy.

Elmira Buhayova | REALTOR® & Loan Officer
(747) 206-6933 | elmirabuhayova.com
DRE #02242385 | NMLS #2710688 | CO-NMLS #320841

Seller Question #16: Can we start high and reduce the price later?We can, but the cost is reduced urgency, missed searc...
10/09/2026

Seller Question #16: Can we start high and reduce the price later?

We can, but the cost is reduced urgency, missed search brackets, longer market time, and a greater risk that buyers assume there is a problem. The first days on market usually give us our strongest attention. If you choose a higher test price, I recommend agreeing now on the activity threshold, review date, and exact adjustment we will make.

A strong sale starts before the listing goes live. Let’s talk.

Elmira Buhayova | REALTOR® & Loan Officer
(747) 206-6933 | elmirabuhayova.com
DRE #02242385 | NMLS #2710688 | CO-NMLS #320841

One home, multiple ways to finance it! 🏡Because different lenders offer different programs, pricing, and requirements, i...
10/09/2026

One home, multiple ways to finance it! 🏡

Because different lenders offer different programs, pricing, and requirements, it pays to compare. With access to over 240 wholesale lenders, I can help you explore multiple loan scenarios to find the right fit for your goals.

Thinking about buying a home? Send me a message today and let's look at your options!

For informational purposes only. Lender availability, rates, APRs, fees, programs, terms, and eligibility vary by borrower, property, lender, and market conditions. Not a commitment to lend.



Elmira Buhayova | NMLS #2710688
Loan Factory | NMLS #320841

Thinking about buying a home soon? Starting your mortgage prep early does way more than just secure your move-in date. 🏡...
10/08/2026

Thinking about buying a home soon? Starting your mortgage prep early does way more than just secure your move-in date. 🏡 It gives you the breathing room to comfortably explore loan options, compare costs, and organize your paperwork without the stress.

Send me a message today, and let's map out your next steps together!

For informational purposes only. Loan options, rates, terms, and eligibility vary by borrower and scenario. Not a commitment to lend.



Elmira Buhayova | NMLS #2710688
Loan Factory | NMLS #320841

Seller Question #15: Why did another agent suggest a higher price?Ask that agent to identify the closed sales, adjustme...
10/08/2026

Seller Question #15: Why did another agent suggest a higher price?

Ask that agent to identify the closed sales, adjustments, and buyer-demand evidence supporting the number. I will gladly revise my opinion if stronger evidence supports it. I will not recommend a high list price simply to win the listing and then ask you for reductions after the best launch period is gone.

Selling in Los Angeles or Ventura County? Let’s plan the launch.

Elmira Buhayova | REALTOR® & Loan Officer
(747) 206-6933 | elmirabuhayova.com
DRE #02242385 | NMLS #2710688 | CO-NMLS #320841

Thinking about VA financing? 🇺🇸 While VA loans offer incredible benefits like the option for zero down, it is important ...
10/07/2026

Thinking about VA financing? 🇺🇸 While VA loans offer incredible benefits like the option for zero down, it is important to remember that 0% down doesn't always mean zero due at closing. You may still have closing costs, prepaids, or other upfront fees depending on your unique scenario.

Send me a message today and let's review your options together! 💬

For informational purposes only. VA eligibility, funding fees, closing costs, credits, terms, and qualifications vary by borrower, property, lender, and loan scenario. Subject to applicable VA and lender requirements. Not a commitment to lend.



Elmira Buhayova | NMLS #2710688
Loan Factory | NMLS #320841

Seller Question #14: Why is your suggested price lower than Zillow's estimate?An automated estimate does not inspect th...
10/07/2026

Seller Question #14: Why is your suggested price lower than Zillow's estimate?

An automated estimate does not inspect the property, read the disclosures, measure renovation quality, assess unit position, or know the seller's terms. I use it as one data point, not as an appraisal. If Zillow's figure is supported by closed sales and current demand, the evidence will show it; if not, I will not price your home around an algorithm.

Want the numbers for your property? Let’s build your seller net sheet.

Elmira Buhayova | REALTOR® & Loan Officer
(747) 206-6933 | elmirabuhayova.com
DRE #02242385 | NMLS #2710688 | CO-NMLS #320841

Ready to make your move? Your mortgage team should be just as fast as you are! 🏡When you find the perfect home, a fast a...
10/06/2026

Ready to make your move? Your mortgage team should be just as fast as you are! 🏡

When you find the perfect home, a fast and responsive process makes all the difference. At Loan Factory, we combine advanced technology with dedicated support to keep your loan moving smoothly from start to finish.

Planning to buy soon? Message me today and let's get started! 💬

For informational purposes only. Closing timelines vary based on borrower circumstances, property, lender requirements, documentation, and other factors. Not a commitment to lend.

Elmira Buhayova | NMLS #2710688
Loan Factory | NMLS #320841

Seller Question #13: How did you determine that price?I started with the closest recent closed sales, then tested the r...
10/06/2026

Seller Question #13: How did you determine that price?

I started with the closest recent closed sales, then tested the result against active listings, pendings, price per square foot, condition, lot or unit position, parking, HOA obligations, upgrades, and location differences. I excluded misleading comparables and documented the adjustments. The recommended range is the intersection of comparable evidence and current competition.

Planning a sale? Message me for a property-specific strategy.

Elmira Buhayova | REALTOR® & Loan Officer
(747) 206-6933 | elmirabuhayova.com
DRE #02242385 | NMLS #2710688 | CO-NMLS #320841

When shopping for a home loan, it is easy to focus only on the interest rate. But did you know things like the loan type...
10/05/2026

When shopping for a home loan, it is easy to focus only on the interest rate. But did you know things like the loan type, terms, fees, and mortgage insurance also impact your total cost over time?

Let's look at the big picture together to find the right fit for your homeownership goals. Message me today to explore your options!

For informational purposes only. Rates, fees, terms, programs, and eligibility vary by borrower, property, lender, and market conditions. Not a commitment to lend.

Elmira Buhayova | NMLS #2710688
Loan Factory | NMLS #320841

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Los Angeles, CA
91361

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+17472066933

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