I am a Business and Personal Financial Professional—not a salesperson.
Traditional agents work for free because they only earn money if a transaction closes. That model creates pressure that is not aligned with your best interests.

My model is different: you pay for expertise, clarity, and judgment—not for a sales pitch.
Nothing of true value is free, including the guidance needed to make one of the largest financial decisions of your life.

I have 43 years of business and personal financial experience, 33 years in real estate, a strong background in lending, credit, taxation, and financial management, and decades of lived success in marriage, family, business, and property ownership.

You may review my professional history here: https://ericfrazier.com/about-me/

This is not bragging—it is context.
Your advisor should have actual lived expertise, not just a license.

No. I do not work under a commission-first model. I am paid for my time, analysis, and professional guidance.

Before any real estate representation begins, we must enter into a written Buyer Representation and Broker Compensation Agreement (BRBC) and provide the required agency disclosures under California law. Until that agreement is signed, I am not acting as your real estate agent, and no agency relationship is created by an advisory session.

My role at this stage is to provide clear, objective counsel so you can make the right decision—whether that decision is to buy now, wait, or not buy at all.

This service is for mid – to high – income professionals who value expertise, preparation, and clarity.

This is not a service for individuals seeking free advice or hoping to bypass the financial readiness process.

No.
A strong financial foundation requires reserves, an emergency fund, capacity for repairs, and margin for unexpected life events.
Down payment + closing costs alone creates unnecessary financial risk.

We will:

• Review your intake data
• Assess your financial readiness
• Identify red flags you may not see
• Establish ideal and maximum safe payment ranges
• Analyze a property, if relevant
• Provide strategic recommendations for timing and preparation

You will receive clear, evidence-based guidance—not pressure.

No.
Our session does not form an agency relationship.

Representation only begins when we sign a C.A.R. Buyer Representation and Broker Compensation Agreement (BRBC).
The advisory role remains constant before and after representation begins.

Yes.
Under the advisory agreement, we can meet as often as needed to prepare you for a stable, confident home purchase.

My role is to provide high-level financial and transaction strategy—affordability, risk analysis, pricing guidance, disclosure review, and decision support—so you make the right purchase decision.

Property showings are coordinated through the listing agent whenever possible. If the listing agent is unavailable, a California-licensed real estate agent affiliated with my brokerage may conduct the showing under broker supervision.

To protect your time and money, showings are scheduled only after the following are complete:

• You are preapproved by a lender (or have verified proof of funds for a cash purchase)
• You have verified funds for down payment and closing costs (as applicable)
• We have agreed on clear purchase criteria (location, budget, property type, must-haves)

If you hire me for representation, a written Buyer Representation and Broker Compensation Agreement (BRBC) is in place as required. My process is designed so you typically won’t need to view more than five homes before making a decision. If additional showings are necessary, we may expand that number by mutual agreement based on market conditions or revised criteria.

Zillow, Redfin, Realtor.com, and others already provide access to listings.
You may use those platforms to identify properties you’re interested in.

I use MLS data and advanced valuation tools to analyze each property for risk, value, and suitability.

Under the Buyer Representation and Broker Compensation Agreement (BRBC), you and I will agree in writing on how I am compensated for real estate representation services.

Separately, a seller may choose to offer compensation to the buyer’s agent. If seller compensation is offered and accepted, it is paid by the seller to my brokerage and is treated as seller-paid compensation, independent of any advisory fees you pay for my time.

My advisory fees are paid for professional time and services and are not contingent on a purchase. Any seller-paid compensation is governed by the purchase contract and brokerage compensation terms and is not treated as a credit, rebate, or refund to the buyer unless the parties agree otherwise in writing.

I am a licensed Mortgage Loan Originator affiliated with NEXA Mortgage, LLC (NMLS #461807). If you choose to apply for mortgage financing through NEXA, a licensed loan originator on my team will handle the loan process and required disclosures under federal and state lending laws.

You are not required to use NEXA. You may choose any lender at any time. In my advisory capacity, I will help you evaluate affordability, cash reserves, and overall financing strategy based on your goals and risk tolerance. Mortgage loan origination services, if elected, are provided under a separate lending relationship and disclosures.

Your fee reserves professional time that is removed from my schedule and is earned upon booking because preparation begins before we meet. For that reason, fees are non-refundable, except as required by law. You may reschedule one time with at least 72 hours’ notice. If I must cancel your appointment, you may reschedule or request a full refund.

Never.
My role is to protect you and guide you—not to rush you.

Yes.
Anyone involved in decision-making is welcome and encouraged to attend.

You are the ideal client.
Preparation is power, and long-term planning produces the best outcomes.

You will receive:

• A written summary
• A readiness score
• Action steps
• Risk assessment
• Buying criteria
• Warnings to avoid
• A timeline for preparation

Because this advisory relationship is professional—not exploratory.

You don’t meet a CPA or attorney for free to ask how billing works.
The FAQ and intake explain everything.
When we meet, we begin the real work immediately.

Perfect.
Complexity is where expertise matters.

I work with business owners, executives, professional earners, multi-income households, and individuals with layered financial situations.

Calendly offers flexible options, including evenings and limited weekends.

I am affiliated with NEXA Mortgage, LLC as a licensed Mortgage Loan Originator (NMLS #461807). You are not required to use NEXA, and you may work with any lender you choose.

I am not affiliated with any builder. Some builders offer buyer-agent compensation. If I am acting as your real estate agent under a written Buyer Representation and Broker Compensation Agreement (BRBC), any seller or builder-paid compensation is paid to my brokerage under the terms of the purchase agreement and brokerage compensation arrangements, separate from advisory fees paid for my time.

In all cases, my advisory work remains focused on objective analysis—reviewing costs, disclosures, and risks—so you can make informed decisions.

Yes.
Your data is protected through secure systems and professional confidentiality protocols.

That is perfectly acceptable.
The goal is clarity—not forcing a transaction.

Yes.
You will leave with:

• A realistic price range
• Your ideal mortgage payment
• Your maximum safe payment
• Reserve requirements
• A customized buying strategy

Yes.
Advisory does not conflict with your existing lender relationship.

Yes. In this phase, I am acting as your paid advisor and consultant—not as your real estate agent. Advisory services can be used alongside any agent or lender you choose.

I provide strategic and financial oversight of the transaction—reviewing costs, disclosures, and risk factors—within the scope of our consulting agreement. I do not provide legal or tax advice, and I may recommend that you consult an attorney, CPA, or other qualified professional when legal or tax questions arise.

If you later decide you want me to represent you as your real estate agent, we will enter into a written Buyer Representation and Broker Compensation Agreement (BRBC) and provide the required agency disclosures.

Switching agents depends on whether you are under a binding representation agreement.

But advisory is separate:
You may retain me as a consultant regardless of who your agent is, because advisory does not violate agency agreements.

If you later decide to pursue representation with me:

• We will review your existing agreement
• You may terminate it if legally permitted
• Representation begins once a BRBC is signed

No.
Free lacks accountability, depth, and value.
Paid expertise creates clarity and commitment.

Trust comes from experience and judgment.

I bring:

• 43 years in business and financial services
• 33 years in real estate
• Advanced education in business, finance, and management
• A lifetime of owning and managing real estate and multiple businesses
• 44 years of marriage
• Four adult children—all homeowners
• Decades of lived experience navigating markets, transitions, and financial cycles

I do not offer theories—I offer lived expertise.

To give you:

• Truth
• Clarity
• Protection
• Strategy
• A plan
• A safe path forward
• This is not about buying a home.
  It is about building a financially stable, well-designed life.