Your dream home
Journey starts here

A South Bay native with over a decade of HR leadership experience, Marcela leverages her mastery of compliance and strategic negotiation to provide first-time homebuyers with the technical advocacy needed for a seamless purchase. She is deeply committed to helping communities of color build generational wealth, combining her sharp market insights with a tireless work ethic to secure investments that sustain families for years to come. Whether you are planting roots or seeking a foundation for your future, Marcela serves as a dedicated partner who ensures you are expertly equipped at every step of the journey.

Contact Me

Start your journey

Free Consultations

Local Expertise

Trusted Guidance

Online First-Time Home Buyers Seminar

Ready to learn all the tips and tricks to snag your first home without the stress? Join Marcela & Stephany on Zoom and secure your future!

Join from the comfort of your own home Every First Saturday @ 10 AM, & Every Third Monday @ 7 PM.

What You’ll Learn

Credit + How Much You Actually Need

The 2026 Roadmap: A step-by-step guide to the current South Bay market.

Down Payment Assistance Programs: For example, The California Dream For All (CalHFA) down payment assistance program is officially OPEN!!

Live Q&A: Get your specific lending and credit questions answered by Fernando Diaz.

RSVP HERE

Your First Steps to Home Ownership

Follow our proven roadmap to make your home buying journey smooth and successful

Get Pre-Approved

Start with a pre-approval to understand your budget and show sellers you're serious

Contact a lender to review your finances and get a pre-approval letter. This typically takes 1-3 days and helps you shop with confidence

Define your needs

Create a wish list of must-haves vs. nice-to-haves for your future home.

Consider location, size, amenities, and proximity to work/schools. This helps narrow your search and saves time.

Start house hunting

Begin touring homes that match your criteria and budget.

Work with your agent to schedule viewings. Take notes and photos to help remember each property.

Make an offer

Found the one? Your agent will help you submit a competitive offer.

Your offer should include price, closing date, and any contingencies. Your agent will negotiate on your behalf.

Home inspection

Hire a professional inspector to check for any issues with the property.

This protects you from unexpected problems. Most issues can be negotiated with the seller.

Close your home

Sign the final paperwork and get your keys!

Bring a cashier's check for closing costs, review all documents, and celebrate your new home!

How much can you afford?

Estimated monthly mortgage payment

* Based on Fixed Interest Rate with a 30 year term, principal and interest only

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

Mortgage calculator estimates are provided by Union Realty Co. and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.

Understanding Real Estate Terms

Amortization
The process of paying off a debt over time through regular payments. Part of each payment goes toward the loan principal and part goes toward interest.
Closing Costs
Expenses over and above the price of the property in a real estate transaction, including attorney fees, title insurance, appraisal, and more.
Equity
The difference between how much your home is worth and how much you still owe on your mortgage. It's the portion of your home that you truly 'own.'
FHA Loan
A mortgage loan insured by the Federal Housing Administration, designed to help first-time and low-to-moderate income buyers with lower down payment requirements.

Trusted Partner Network

CMG Home Loans

Fernando Diaz

NMLS# 253430

(310) 418-9289

fdiaz@cmghomeloans.com

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Frequently Asked Questions

Get answers to common questions about the home buying process

How long does the home buying process typically take?

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What is the difference between pre-qualification and pre-approval?

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How much should I budget beyond the purchase price?

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What is a credit score?

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Our Success Stories

The Avila/Marquez Family

The Avila-Marquez family knew they wanted a permanent home for their growing family, but like many first-time buyers, they lacked a clear roadmap to transition from renting to owning. Recognizing their potential, Marcela and Stephany stepped in as strategic partners, moving beyond a simple transaction to help the family establish rigorous saving and spending goals. After a year of disciplined budgeting and expert guidance, the family successfully qualified for their first home, closing just in time to celebrate the holidays in a space they truly own.

The Fernandez Family

The Fernandez Family knew exactly what they wanted: a Harbor City home with a yard for their young son near their family roots. But in a crowded market, desire isn’t enough—you need a strategy.

After joining our first time homebuyer seminar, this incredible couple put in the work to hit their financial milestones. When they found "the one," Marcela and Stephany leveraged expert negotiation tactics to beat out multiple offers. Congratulations to these high school sweethearts on securing their dream home!

The Luna Family

For self-employed entrepreneurs like the Luna Family, the path to homeownership often requires a more sophisticated financial approach. After attending our seminar, the Lunas partnered with us and Fernando Diaz of CMG Home Loans to identify a unique financing solution that maximized their buying power. Their goal was twofold: to purchase a first home and to leverage their professional construction expertise to remodel and build immediate equity. This wasn't just a purchase; it was a strategic first step in building a long-term investment portfolio.

Ready to start your journey?

Get in touch today for a free consultation. We're here to answer your questions and guide you every step of the way.

Your dream home
Journey starts here