Kayla Rae - The Realtor
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Elevated
Realtor & Life Ins Agent
Compass | Dre#02055280
Family First Life | #0G53341
Specializing in San Ramon Valley to Fresno County Real Estate
06/05/2026
The path to homeownership doesn’t have to be intimidating. My 2026 Homebuyer Guide is jam-packed with essential information that will help make this big step a walk in the park!
Kayla Rae The Realtor
925.486.1099 | 559.421.9605
DRE #02055280
Compass
Serving East Bay to Central Valley
06/04/2026
Kayla Rae The Realtor
925.486.1099 | 559.421.9605
DRE #02055280
Compass
Serving East Bay to Central Valley
Kayla Rae Chavez | Helping U Buy,Sell,Protect What Matters Kayla Rae Chavez built her real estate career from the ground up in California’s Central Valley, turning what began as an office job into a multimillion-dollar business driven by heart, hustle, and results. Now serving clients statewide from Fresno to the Bay Area, she’s known for her data-drive...
A lot of buyers get pre-approved, then start shopping condos at the same price point as single-family homes… but HOA dues directly impact your monthly payment and buying power. 🏡💰
That means:
$700/mo HOA = less house you qualify for.
So if you’re planning to buy a condo, townhome, or single-family home, tell your lender BEFORE getting pre-approved. They’re not financed the same, and your approval amount can change depending on the property type.
I see buyers run into this all the time in San Ramon, Pleasanton, Dublin, and across the East Bay.
The goal isn’t just getting approved… it’s understanding what payment actually makes sense for your lifestyle long term.
Kayla Rae Chavez | East Bay Realtor
📲 925.486.1099
Kayla Rae Collective
How big do you think this house is?? 🏡
When I’m listing a home, I like to understand it. I want o be able to answer any questions and guide someone through it. I want to know the history. I want to know the fun facts. This home has so much to offer. I could believe I spent an hour just walking the home and taking notes on it. Stay tuned. I can’t wait to share this house✨🔑
Kayla Rae Chavez | Realtor
📲925.486.1099
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Address
San Ramon, CA
94582, 94583
