Buyer representation across Chino Hills, Chino, Rancho Cucamonga, Corona, Riverside and San Bernardino — including first-time buyer guidance and CalHFA Dream For All down payment assistance.
Three things that change the outcome — not a list of adjectives every agent site already claims.
Sebastian is an approved originating partner for CalHFA Dream For All, California's shared-appreciation down payment assistance program. Most buyers who qualify never hear about it, because most agents don't originate it. If you qualify, it changes what you can afford — before you start touring.
Chino Hills, Eastvale and Diamond Bar sit within minutes of each other across three different counties. Property tax rates, Mello-Roos exposure, school district boundaries and permit history all change at those lines. Shopping across them without knowing that is expensive.
In a multiple-offer situation, price is one of six or seven levers. Contingency timelines, appraisal-gap language, deposit size and close date frequently move a seller more than another five thousand dollars. Every offer is structured against what that specific seller has signaled they want.
You'll know what happens next at every stage, and what it costs, before it happens.
Define budget, must-haves and target cities — then secure a real pre-approval and confirm CalHFA Dream For All eligibility before touring anything.
Curated showings across the Inland Empire with honest assessments of resale risk, HOA and Mello-Roos exposure, and true cost to hold.
Comparable-backed offer pricing and a structure built for the specific seller, followed by counter-negotiation on price, credits and terms.
Inspection coordination, repair-request negotiation, appraisal management, and escrow oversight through to keys in hand.
Sebastian is licensed in California as REALTOR® DRE #02208742 and practises under eHomes as an individual agent — not as part of a team, and not handing your file to an assistant after the first meeting. The numbers below are his, and each one can be checked against his Zillow profile or the transaction list on his About page.
Sebastian's own production. No brokerage-wide figures appear on this site.
“Sebastian met every need at every step. When an issue came up during our purchase he quickly negotiated new terms and kept communication clear.”Celina CareyRepresented as both seller and buyer
What comes up in nearly every buy-side conversation, answered before you have to ask.
Less than most buyers assume. Conventional loans start at 3% down for qualified first-time buyers, FHA at 3.5%, and VA loans require no down payment for eligible service members and veterans. California's CalHFA Dream For All program can additionally cover a substantial share of the down payment as a shared-appreciation loan. Sebastian Street is an approved originating partner for Dream For All and will confirm your eligibility before you begin touring homes.
CalHFA Dream For All is a California Housing Finance Agency program providing down payment assistance to first-time buyers as a shared-appreciation loan — you repay the original assistance plus a share of your home's appreciation when you sell or refinance, rather than making monthly payments on it. Eligibility depends on county income limits, first-time buyer status, and program funding availability, which is allocated periodically. Sebastian can check your eligibility directly.
They solve different problems. Chino Hills is in San Bernardino County, served by Chino Valley Unified, has a largely established housing stock, and generally carries lower Mello-Roos exposure because much of it was built before the heaviest Community Facilities District era. Eastvale is in Riverside County, served by Corona-Norco Unified, is dominated by newer large-floorplan construction, and frequently carries meaningful Mello-Roos assessments that raise the effective monthly cost above what the listing price suggests. The right answer depends on whether square footage or carrying cost matters more to you.
Since the 2024 NAR settlement changes, buyer-broker compensation is negotiated and disclosed rather than assumed. In California you sign a written buyer representation agreement specifying your agent's compensation before touring homes. That compensation may still be offered by the seller, paid by you, or split between both — it is a negotiated term of the transaction. Sebastian walks through exactly how it will work in your deal before you sign anything.
Mello-Roos is a special tax levied by a Community Facilities District to fund infrastructure such as roads, schools and parks in newer developments, charged on top of your regular property tax. It is most common in newer master-planned areas, which in this region means large parts of Eastvale, newer Corona tracts, and the Etiwanda area of Rancho Cucamonga. Older Chino Hills, Upland and Claremont neighborhoods generally carry little or none. It can add hundreds of dollars per month, so it belongs in your affordability math rather than surfacing at disclosure.
Buyer representation across Chino Hills, Chino, Rancho Cucamonga, Corona, Riverside and San Bernardino — including first-time buyer guidance and CalHFA Dream For All down payment assistance.
No cost, no obligation. Sebastian responds personally within one business day.