We are two sisters from the small city of San Luis Obispo, CA who have made our staple in Southern California in nearly two decades. We are not only partners, but best friends and we feel very fortunate to be in business with each other. We have worked tirelessly to establish the highest standards for our clients. With our market knowledge, global reach, marketing expertise, we are the team you want on your side. We are in the business of helping and educating people and we are very passionate about what we do. We look forward to serving you.

This agreement establishes Coldwell Banker Realty as the Buyer’s representative during the home search and purchase process. It defines the length of the relationship, the services the Broker will provide, how properties will be selected based on the Buyer’s criteria, and how the Broker is compensated. It also explains how commissions may be covered through seller or listing broker compensation when available.  

Here's what people are saying about us. We can also provide you with client references. 

Click on "Reviews" once you land on the Google Maps page. 

Our client Dr. Cheyenne Bryant gives a glimpse of what it is like to work with us. Whether buying or selling a property, we deliver the highest service possible.

The Rosenthals discuss their experience working with us as buyers and sellers. Whether buying or selling a property, we deliver the highest service possible.

The Reneau Group also specializes in working with sports and entertainment clientele. Because of this, we have built strong relationships with agents and brokerages around the world. If you are interested in purchasing property anywhere globally, we can assist.

The Reneau Group has two offices in Los Angeles County: one in Beverly Hills and the other in Long Beach. This allows us to conveniently serve clients throughout the region, from the Valley and the Hills to the Beach Cities.

1. Down Payment: Typically 3–20% of the purchase price depending on the loan program.

2. Appraisal: Usually ranges around $550+, depending on the property and lender requirements.

3. Inspections: A general home inspection typically starts around $450. Buyers may also choose additional inspections such as sewer, termite, mold, chimney, septic, plumbing, or foundation depending on the property.

4. Closing Costs: Generally 2–3% of the purchase price. These costs include lender fees, escrow, title, and other transaction-related expenses.

5. Supplemental Property Tax Bill: It’s recommended to set aside approximately 1.25% of the purchase price for this bill. This is a one-time tax adjustment typically received 6–12 months after closing escrow.

Contingencies are conditions that must be met before the transaction can move forward.

When submitting an offer, buyers typically have three contingencies that protect them during the escrow period:

1. Investigation Contingency

2. Appraisal Contingency

3. Loan Contingency

The default timeframe to remove each contingency in California is 17 days. However, in competitive markets buyers may choose to shorten their contingency periods to make their offer more appealing to the seller. Some buyers may also choose to remove certain contingencies entirely to strengthen their offer. Buyers who remove contingencies typically do so because they have the financial backing and confidence that they will be able to close.

Investigation Contingency

This contingency protects you if significant issues are discovered with the property. If inspections reveal major problems and the seller does not agree to provide a credit or make repairs, you have the option to cancel the transaction and are entitled to the return of your earnest money deposit (EMD).

The investigation contingency also includes reviewing important documents such as seller disclosures, the preliminary title report, and other property-related disclosures.

Appraisal Contingency

For example, if you offer $950,000 for a home but the property appraises for $900,000, you have a few options:

• Ask the seller to reduce the purchase price to $900,000

• Cover the $50,000 difference out of pocket

• Cancel the transaction and be entitled to the return of your earnest money deposit

Loan Contingency

This contingency protects you if your loan cannot be fully approved by the lender’s underwriter. If your financing falls through while the loan contingency is still in place, you may cancel the transaction and are entitled to the return of your earnest money deposit.

These contingencies are designed to protect buyers and allow time to fully investigate the property, secure financing, and ensure the home’s value supports the purchase price.

Under current California law, when a property changes ownership it is reassessed at the new purchase price. As the new owner, you may receive a supplemental property tax bill.

This bill is separate from your regular property taxes.

Your mortgage servicer typically collects a portion of your monthly payment and places it into an escrow account to cover your estimated property taxes and homeowners insurance. However, supplemental tax bills are usually paid directly by the homeowner, not through your escrow account.

A supplemental tax bill is a one-time adjustment that reflects the difference between the property's previous assessed value and the new purchase price.

For example, if a home was previously assessed at $600,000 and you purchase it for $900,000, the county will issue a supplemental tax bill for the difference in value.

In some situations, adding certain individuals to your deed after ownership has transferred may not trigger another reassessment (for example, transfers between spouses or parent/child transfers that qualify under California law). However, adding unrelated individuals to the deed may trigger a reassessment.

For questions about reassessments or ownership changes, you can contact the Los Angeles County Assessor’s Office Ownership Services Unit at 213-974-3441, as different types of property ownership transfers may be treated differently.

Your supplemental tax bill covers the difference between the seller’s previous assessed value and the new assessed value after the property transfers ownership.

We've also included information on potential tax deductions available to homeowners, such as mortgage interest and property tax deductions.

Discover how Californians age 55 and older may be able to transfer the tax base of their current home to a replacement property under Proposition 19, potentially reducing property taxes when moving to a new home.

Buying a home involves many steps, and it’s normal to have questions along the way. Below are answers to some of the most common questions home buyers have during the home-buying process.

Your credit score plays a major role in determining your mortgage interest rate. According to Experian, a “good” credit score starts at 670, “very good” at 740, and “exceptional” at 800 and above, and higher scores can lead to significantly lower borrowing costs.

Financial Checklist to have in order for home buying

Before this process starts, we will discuss your criteria in depth and you will identify these 3 things that will carry you through: Your Must Haves Your Can Live With's Your Deal Breakers We will use a rating scale for each property that we see as well.

Once your contract is accepted, the escrow process begins. Working closely with your agent and lender will ensure a smooth and successful transaction.

You are finally headed to closing once you receive FULL loan approval from your lender.

Another word for ownership in real estate is "Title". When you purchase a home, "title" ( ownership) will change over to you. These are the different ways to vest & take title of your home. You will select this during the escrow process and this question will be on your paperwork from the escrow company.

We feel this is crucial as there are many benefits to placing your property into a trust or entity such as an LLC or Corporation, dependent on the nature of your property and how it will be ran. For example, your primary property vs investment properties. Please consult with your CPA to see which vehicle works best 

Home buying is a process. Here are some key things to remember while you are in it.

You can use this to identify yours "Must Haves", "Can Live With's" & your "Deal Breakers"

This is the contract that we will use to write an offer for you. There will be much more paperwork to review and fill out throughout the transaction, but this is the most important one to familiarize yourself with as everything is surrounding what we put on this contract. It also includes agency relationship as well and two other advisories.

This is the form we will check off each time we remove a contingency while in escrow. Every removal of contingency puts you that much closer to closing escrow on your home.

You will receive this timeline tailored to you & the property once we open escrow