Sellers: As we negotiate your transaction, not only will I work to get the very best sales price, but I'll also campaign for limited closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying a home in Napa, you'll receive a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a reasonable range so you're not astonished when you reach closing time. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates that seem off.