Bryan Cruz
Kinetic Real Estate · Peninsula
I refer my buyers to Sean Herrero because the lender is the biggest variable in any transaction. With Sean, my clients compete at the level of cash buyers, close in as little as 10 days, and their Earnest Money is always protected.
"My goal is always to educate, communicate, and advise in the best interest of my clients. The lender is the biggest variable in any deal, and with Sean, my clients get that same standard every time."Bryan Cruz · Realtor · Kinetic Real Estate · Peninsula and Bay Area
Across Daly City, South San Francisco, San Mateo, the Peninsula, and the greater Bay Area, sellers choose cash because it removes the biggest uncertainty in any transaction: the lender. Missed deadlines, surprise conditions, and poor communication cost buyers their deals every day. When I refer you to Sean, I am telling you and the seller that your financing is as certain and as fast as cash. That changes the outcome.
Sean fully pre-underwrites your loan before you write an offer. Your financing is verified and certain before you are ever in contract. Listing agents across the Peninsula and Bay Area notice the difference immediately.
Cash-CompetitiveMost lenders take 30 to 45 days. Sean closes in as little as 10. In Daly City, South San Francisco, San Mateo, and across the Peninsula, that speed is often the deciding factor between winning and losing the home you want.
10-Day CloseIf a lender error on Sean's part causes your loan to fail and the seller keeps your Earnest Money, Sean pays it back in full. A written guarantee, not a talking point.
Earnest Money ProtectedIf you have equity in your current home, you may not need to wait. Sean helps homeowners unlock that equity to buy their next home first, so you can move on your terms, skip the double move, and sell from a position of strength, not pressure.
Ask Sean How It WorksIf Sean's team makes a lender error that causes your loan to fail, and the seller tries to keep your Earnest Money Deposit, Sean will write you a check for the full amount. This is a written commitment, and it is why I trust him with every buyer I refer.
*EMD Guarantee applies in documented cases where a lender error on Sean Herrero's part directly causes loan failure and contract cancellation. Terms discussed at consultation. CrossCountry Mortgage, LLC.
Born in the Philippines and raised in the Bay Area, Bryan brings 10+ years of customer service experience and a genuine passion for building lasting relationships with his clients. A problem solver at heart, Bryan's mission is always to educate, communicate, and advise in the best interest of every person he works with. Outside of work he is a devoted family man with his wife Maria and their four children.
Sean specializes in fast, reliable financing for Peninsula and Bay Area buyers. His 10-day close, written EMD guarantee, 0.5% rate buydown offer, and full pre-underwriting process deliver the level of speed, certainty, and care that Bryan's clients expect from every partner he recommends.
Bryan's clients win because they come prepared. Get fully pre-underwritten with Sean before you write your first offer and compete at the level this market demands.