DRE #01836869 backs Ashley Degen, a women-owned, LGBTQ+-inclusive realtor at Coldwell Banker Wests 1851 Cable St office with 18+ years of California licensing and a second-generation real estate background (her mother is a 45-year broker/agent). Purchase financing coordinates with lenders including OBMortgage, where conventional, FHA, VA, and jumbo options get stacked against appraisal contingencies and rate-lock windows. Territory runs from Ocean Beach and Point Loma east to El Cajon and south through Chula Vista and Imperial Beach to the South Bay, with regular listings in coastal North County up to Carlsbad. Pre-list remodel scopes — kitchen refresh, bathroom tile, and pre-inspection repair punchlists — get handed to builders such as Ohana Builders when the seller wants a full cost-vs-value staging sweep before photography. Seller representation handles disclosure package preparation, TDS/NHD compliance, and presale termite clearance. The most complex files are fixer-upper flips where a 203(k) rehab loan, permit-history cleanup, and post-repair inspection have to sequence correctly for a non-contingent closing.