Chris Ristau worked really hard to make the home purchase happen. Even though I didn’t have 20% down, he worked his magic to make great progress. He’s very communicative and honest. Chris is super easy to work with and he explains everything he does step by step. I would recommend Chris anyone who wants to buy or sell a home. If you’re going to go through the process, you might as well make it as painless and clear cut as possible! It’s very beneficial to have the same organization provide the loan and real estate services in this crazy Bay Area market.