Xavier WilliamsTop San Jose REALTOR®
& Elite Mortgage Broker
The dual-licensed advantage: stronger offers, faster closings.
One advisor who shows you the entire picture before you sign anything.
SANTA CLARA COUNTY
Why It Matters
Most Agents Hand You Off to a Lender. I Don't.
Here's what changes when your real estate advisor and mortgage originator are the same person.
RSU and Stock Compensation Expertise
Most lenders don't know how to underwrite RSU income. I do — because I originate the loans myself. That means your vesting shares actually count toward buying power, not just your base salary.
Data-Driven, Not Gut-Driven
Every recommendation comes with the numbers behind it — comps, days on market, sale-to-list ratios. You see the data before you decide, not after. I just triple, quadruple check what my gut is telling me.
One Advisor, Tighter Timelines
No waiting for a separate lender to call you back. Pre-approvals move faster, closings stay on track, and there's one person accountable — not a chain of hand-offs where things fall through the cracks.
Markets I Serve
From San Jose to Sacramento — Local Data, Not Guesswork
Five regions. Hundreds of neighborhoods. Each one with its own market dynamics. Here's where the numbers stand right now.
Silicon Valley
Apple, Google, Meta — the epicenter of tech real estate.
Peninsula
Palo Alto to San Mateo — Stanford corridor and venture capital row.
East Bay
Fremont to Hayward — more space, strong schools, BART access.
Commuter Cities
Tracy, Lathrop, Dublin — where your dollar goes further.
Sacramento
Roseville, Elk Grove, Folsom — capital region growth markets.
Client Stories
Don't Take My Word for It
“We’ve been doing this for about two and a half years, talking to people who have referred us. I really appreciate everything you shared with us.”— Client during private consultation
Helped us sell our home in San Jose and got us into two great homes in Elk Grove. The whole process felt easy — he kept everything on track and always had our best interests in mind.
Got us our dream home and sold our house above our expectations. He coordinated a bridge loan — super difficult to manage — and got us a great deal.
He brought professionalism, patience, and expertise that made a potentially stressful journey feel smooth and well-guided.
Had our old home sold in 3 days and our new home offer accepted days before. Our move was seamless.
Tools That Do the Math for You
Run the Numbers Before You Call Anyone
Most people start their search without knowing what they can actually afford. These tools change that in under two minutes.
RSU Income Calculator
See how your vesting shares translate into mortgage buying power. Most lenders get this wrong — this calculator doesn't.
Calculate Your Buying Power →Mortgage Comparison Tool
Compare conventional, FHA, VA, and jumbo loans side by side with today's rates. Know your options before you sit down with a lender.
Compare Loan Options →Rent vs. Buy Analysis
Plug in your rent and see the 10-year wealth comparison. With Prop 13 and Bay Area appreciation, the math might surprise you.
See the Comparison →For Homeowners
Just Out of Curiosity — What Is Your Home Worth Today?
Algorithm estimates are a starting point. A real valuation analyzes active comps, recent sales, and market timing — so you get a number you can actually make decisions with. I'll build one for you, complimentary, no strings attached.
Market Intelligence
What Most People Don't Realize About This Market
Data-driven analysis, neighborhood breakdowns, and strategies for Silicon Valley buyers and sellers.
What Happens Next
Whether You're Buying, Selling, or Just Running the Numbers — a Conversation Costs Nothing and Clarifies Everything.
I'll be straight with you about what the data shows, what your options look like, and whether now is the right time to move. No pressure. No pitch. Just the information you need to make a good decision.