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Buyer Services

Buying a Home in San Francisco

Buyer services from Josh Ortiz, Danielle Lazier and the Vivre Real Estate team.

Buying in San Francisco usually means competing for a limited number of homes, often against multiple offers. Our job is to help you find the right home and win it without overpaying.

Josh Ortiz, Lead Buyer Specialist

Meet Josh

Josh Ortiz, Lead Buyer Specialist
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Josh leads our work with buyers, side by side with Danielle, his business partner of more than eight years. He's known for sharp negotiation, organization and fast responses, and for writing offers that hit the sweet spot: enough to win, without overpaying. His relationships with listing agents across the city often mean earlier information and a fair hearing for his clients' offers. Originally from Boston, Josh has lived in San Francisco since 2012.

"Many agents can 'win' a house by telling clients to keep increasing their offer. That's easy. The real challenge is helping clients win without overpaying."Shahram A., Inner Richmond buyer

Read more buyer reviews →

Get to know Danielle in her own words.

How we work with buyers

  1. 01

    Plan

    A Zoom consultation with everyone involved in the decision, to talk through your goals, budget and timing. If you need a recommendation for pre-approval, we can connect you with trusted local lenders.

  2. 02

    Search

    We help you focus on the neighborhoods and homes that fit, preview properties, and use our network to hear about opportunities early, sometimes before they reach the market.

  3. 03

    Compete

    Every offer starts with research: comparable sales, the listing agent's approach, and what it will realistically take. Then we help you decide how far to go, and when to walk away.

  4. 04

    Close and beyond

    We coordinate inspections, lender, title and escrow so nothing falls through the cracks. After you move in, we're still a resource.

What matters most in a buyer's agent

Sales volume is easy to compare, but it says little about how an agent will help you buy. On the buying side, these make the difference.

  • Inside information. Relationships with listing agents across the city, and early word on homes before or as they come to market.
  • Offer strategy. Knowing what a home will really take, and how to win without overpaying.
  • Restraint and honesty. Telling you when a home doesn't make sense, even if it means waiting.
  • Organization. Keeping inspections, financing and deadlines on track through escrow.
  • Listening. Understanding what you really want, which often changes as you see homes.

Let's Talk About Fees

Real estate fees are a significant expense. Commissions are negotiable and not set by law. Since the 2024 NAR settlement, how buyer agents are paid is agreed in writing up front instead of being advertised in the MLS.

There is a meaningful range of fees in San Francisco, and a meaningful range of service, experience and negotiating skill behind them.

We sit at the higher end of that range, with a full-service approach to match. In our experience, what buyers care about most at the end of the day is getting the right home at the best possible price.

Read more: Real Estate Agent Commission Rates in San Francisco →

Questions buyers ask us

Many buyers reach out with a long list of questions. Here's how we think about the most common ones.

What have homes like the one we want sold for in each neighborhood?

Recent sales are a useful starting point. But a search across several neighborhoods often covers very different kinds of homes, from Edwardian single-family houses to new condos, and averages across that mix can mislead. The more useful first step is narrowing what you want and why. Then we look closely at the sales that actually compare. Our neighborhood guides and market reports are a good place to start.

How should we read list prices, and how much over asking is typical?

Many San Francisco homes are listed below their expected sale price to draw multiple offers, so the list price is often a starting point rather than the seller's expectation. How far over a home goes varies widely by neighborhood, property type and season. Our monthly market reports track the percentage over list in several neighborhoods. For a specific home, we research the comparable sales and the listing agent's approach before you decide on an offer.

What price range and down payment should we plan for?

That starts with a lender, who can help you set a realistic budget and get pre-approved. If you need a recommendation, we're happy to connect you with trusted local lenders. From there, Josh can help you see what that budget buys in the neighborhoods you're considering.

Do we have to waive contingencies to compete?

Not always. It depends on the home, the competition and your comfort with risk. San Francisco sellers usually provide inspection reports and disclosures up front, so you can often review them before making an offer. Sometimes the right move is a shorter contingency period. Sometimes it's walking away.

Do we need to sign an agreement with you? How is our agent paid?

Yes. Buyers now sign a written agreement with their agent that spells out the services and the compensation. Compensation is negotiable. A seller may agree to contribute toward it, and we can ask for that in your offer when it makes sense.

We're about a year out. Is it too early to talk?

Not at all. Early is a good time to talk with a lender, learn how the market works, and get a feel for neighborhoods without pressure. That way, you're ready to move when the right home comes along.

Next step

The first step is a Zoom consultation with Josh and everyone involved in the decision. To help us prepare, please fill out our short buyer questionnaire.

Buyer questionnaire →

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WORK WITH US

Ready to buy or sell a home in San Francisco? Our top SF real estate team has been helping buyers and sellers since 2002 with an efficient, proven process and more than $1 billion in closed sales. We'd love to connect for an initial consultation to learn about your personal situation and see if we're a good fit to help as your San Francisco Realtor.
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SAN FRANCISCO, CA 94114 (415) 528-7355 ©2026 VIVRE REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES, OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS, AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT, OR ZONING EXPERT. IF YOUR PROPERTY IS CURRENTLY LISTED WITH ANOTHER REAL ESTATE BROKER, PLEASE DISREGARD THIS OFFER. IT IS NOT OUR INTENTION TO SOLICIT THE OFFERINGS OF OTHER REAL ESTATE BROKERS. WE COOPERATE WITH THEM FULLY. EQUAL HOUSING OPPORTUNITY. ALL INFORMATION DEEMED RELIABLE BUT NOT GUARANTEED AND SHOULD BE INDEPENDENTLY REVIEWED AND VERIFIED.
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