So that you do not have to read this whole thing: my short advise to you is that if you enter into…read morecontract with Golden State: You need to be clever and be prepared to do what must be done to clear your own path because these folks will NOT lift a finger or even send an email to help you. I made an offer on a "as-is" bank owned property listed by Golden State through my agent. This was my experience. I had asked the listing agent (Bruce) to carbon copy me on all emails to my agent as I like to read correspondences that involve me spending 185k, myself and in real time. My agent is helping others buy/sell other homes, I'm only buying only this one and don't like to wait, especially since they set an accelerated schedule and dead/timelines. Bruce refused saying that due to agency laws and ethical considerations, they do not communication directly with buyers during the transaction. I double checked this "law" with the California Bureau of Real Estate and found that no such "law" exists. You CAN be COPIED on correspondences from listing agents to buying agents. They cannot cut out the buying agent and "work a deal" with you, replies need to come from your agent, that would be the "misleading or unethical" part, again this according to the Bureau of Real Estate. The next problem was the very short escrow they insisted on and the unrealistic schedule for the appraisal and inspections. They would not respond to requests to turn on the electricity or water for the inspections, so I had to find a way around that (Both SMUD & Water) were in my name before I owned the property, which got my realtor scolded by Bruce, but because he already told me something I'd found out to be untrue, I wasn't going to trust that he had my, nor the bank who owned the property interest in mind. A fact later confirmed, keep reading it gets better!! On the day we were to meet the inspector we found that there was no electricity, which was odd because a couple days before we went to check that the SMUD was on and the HVAC was working (it wasn't, I had it repaired of course). The inspector opened the breaker box to find that there were huge exposed copper wires where the main breaker used to be. If you know anything about how much electricity is run into your home through its main breaker you might also be laughing at the fact that we weren't having the conversation over the corpse of the thief. At least that's what the SMUD inspector said with a laugh. Golden State took 2 days to respond to that SOS call. My agent asked Bruce and Amy what would be done about the missing main breaker and their answer (now many days into escrow and AFTER I paid for the home appraisal that found the house appraised for 35k, yes 35k more than the original asking price) was that I could back out, lose my home inspection & appraisal money, because the bank wouldn't fix anything, that it was sold "as-is". How convenient for them that they could just relist it for much much higher and get a larger commission huh? Very interesting that when I finally got the real bank on the phone (the actual bank that owned the property) they told me not to worry and his exact words were "we're not losing a sale on this property over a breaker box!". This was the same case manager that call me back 2 days later to ask me if I knew any about how their electrician came to make the replacement that Bruce said would NOT be happening, had already happened, and did I know "who" did it? Of course I knew who did it! I paid for it of course.... They said, you wasted your money, we told Bruce we'd fix it. The most interesting thing I found along the way in talking to all the state and county agencies and utility companies was how the someone would be explaining to me that what I was asking for was the listing agents job and they COULD NOT AND WOULD NOT do for me what I was asking, but upon hearing that it was Golden State would immediately relent and clear a path for me to do what they should have been doing on behalf of their seller. Each and every one of these agencies told me they have a form that the listing agents of bank owned houses are to fill out to do all of these things, but each and every one of these folks was willing to forgo their own policies once they heard who was standing in my way. Let that sink in people. From the water company: "Amy's sweet but Bruce is..." From the count of Sacramento Building Permits: "You have to have the selling agent fill out this form on behalf of the bank because property that isn't officially yours yet.....OH THEM, okay, here you go.... Good luck sweet heart" From the bank who was selling the property: "*sign* I hate it when their our listing agents, we're not going to lose out on a sale" From SMUD: "the listing agents usually do this, why are you....Oh, okay"

I think the tag line for the 5 stars could not be more true - Amy and Bruce are as good as it gets…read more You cannot go wrong here. We were referred to Amy through our lending agent while looking to buy our first home, and I cannot tell you how many times throughout the process we discussed how thankful we were for her. In a sea of agents looking to offer you the best and the shiniest things, Amy felt like to us a diamond in the rough. She immediately struck us as someone who would invest in our long term goals rather than just getting us into a place asap, which meant alot of us as people looking to build our real estate over our lives. She not only helped us understand the process once finding a house, but advocated for us in areas with the seller and in the process, in ways i would only expect someone who has known me for years to. As if that wasn't enough her energy, patience, and kindness were unwavering. She was brutally honest when it was necessary, put up with millions of nagging questions on my end, and was still making jokes and keeping us in a positive space. When issues came up with our inspection she was on top of it before we barely had time to worry. She had contractors out on site within a few days and saw everything through until the last leak was fixed - literally. If you are seeking someone who will be your partner and advocate in the vast real estate world, Amy and Bruce are you people. If they'll have us, we will be sticking with them for as long and as many purchases as we can in our lives as home owners.

Britt was amazing! My boyfriend and I were first time homebuyers. I made a spreadsheet if several…read morerealtors around town based on online reviews and recommendations and what I was looking for. Britt checked all the right boxes. I then called a handful of Realtors and Britt was by far the most personable. She answered my questions with confidence bit also without being pushy. The home buying experience was just as impressive. She was attentive and transparent the entire time and helped us find the home of our dreams, during a crazy housing market favoring sellers AND a pandemic. "Pick Britt".

Hands down amazing! Britt listens to your needs. Great communication. She is an open book. Britt…read moregives tons of effort when searching for your dream home. Britt encourages you to keep looking. If there's a home you have your eye on send an email her way and she will work her magic. Britt makes great suggestions and also gives great advice especially if you're a first time home buyer. My husband and I give her 2 huge thumbs up! Excellent!

Judy at Marshall and Associates has been my real estate agent for 4 years now and helped us get…read moreinto our first home 3 years ago. Since we have sold it and are in escrow for our new home. She is incredibly dedicated and knowledgeable. Not to mention her awesome personality - straight to the point, yet kind, caring and funny. She goes above and beyond to guide her clients through the buying/selling processes. We were newbies to the process and with her help we have had very successful transactions. Any snag that comes along she is ready for! She has references for every type of professional you could need in the buying selling process (lender, title company, inspector, pest inspector, electrician, contractor, pool company, etc...) and we have needed to use some of them and they have all done great jobs! She is also distressed property certified, making her very good at spotting potential problems with a home. I HIGHLY RECOMMEND her and the team she works with to anyone looking to purchase or sell a home!

Susan was an absolute joy to work with! I am a first time home buyer so I was very nervous and…read moreSusan reassured me during every step of the process! She was very helpful, knowledgeable, responsive, and I couldn't be more pleased that I chose her to work with! Susan was promptly and met me at anytime that fit my schedule which I very much appreciated! I am so grateful for her and will recommend her to all my friends and family!

Susan makes everything go so smooth. Could not ask for such a great experience with such a awesome…read morelady.

Karen did a great job selling our home. We have a full house of five, and with all adults working…read morefrom home and kids doing online school from home plus three dogs, having our house listed was incredibly stressful! Karen was able to keep showings to a minimum by doing appointment only showings twice a week in groups and making sure anyone who came to see the house was preapproved to weed out any unnecessary showings. She sold our house quickly. I would absolutely recommend her

Karen is a true professional. She and her team helped me prepare and list my home with very little…read moreeffort on the seller's part. The listing pictures are beautifully taken. She respects and listens to our expectations and opinions of market. She communicates well and would provide regular updates of showings and inquiries. Thank you, Karen.

As a first-time homebuyer, I couldn't have asked for a better realtor than Jennifer. I started…read moreworking with her in April 2025, and from the beginning, she was incredibly responsive, patient, and professional. She always took the time to investigate every detail and came prepared with thoughtful solutions to any potential challenges that came up. While in escrow, Jennifer went above and beyond -- she personally met with every inspector, walked me through all the nuances of being a first-time buyer, and made sure I fully understood each step of the process. Her communication skills were outstanding, not only with me but also with the other agents involved. I truly believe I got my home because of her professionalism, persistence, and expertise. Jennifer is kind, considerate, and genuinely cares about her clients. She made what could have been a stressful experience feel smooth and even enjoyable. I highly recommend her to anyone looking for a dedicated and trustworthy realtor.

Worked sooo hard to find the perfect house sought after by a very picky buyer!!!! She never gave…read moreup, never lost patience, and aways had a smile for us!!!!

Amazing team. From suggestions to get top $$$ for our house to help with movers and contractors…read morethete was plenty of great help from the Yoffie group from start to close. Highly recommend.

My wife and I had the pleasure of being buyers working with Yoffie's Real Estate Group working with…read morewith Ann Akhromstev as our real estate agent. I could not have asked for a better experience and am so glad we found Ann for our home search. Two years ago my wife and I started exploring the El Dorado Hills, Folsom, Granite Bay areas with the intention of moving our large family from the Bay Area. We were really concerned about schools, community, neighborhoods but still wanted a house that made sense for our large family from all perspectives (space, location, cost, etc.). Throughout our search Ann was so supportive through the many ups, downs and various pivots. We made offers on multiple properties before locking in a house that is perfect for us. During our closing Ann was on top of all commitments and communications and I felt she was really looking out for our best interest. Lastly, after closing I ran into an issue with the house. Ann went out of her way to get guidance on my situation (which was already out of scope of her job) and continued to provide guidance and good advice. I consider her a friend and am so excited to have gone on this journey with Ann & the Yoffie Real Estate group.

Sara was my realtor for 2 houses that I sold. It was an easy experience, no pressure and whenever…read moreI had a problem or question she took care of me quickly. She is a pleasure to work with and I will use her again.

Sara has been great to work with during the house hunting process. She took the time to understand…read morewhat we were looking for in a place and found the perfect home. She is very accessible via text, email, etc. I would definitely recommend her to anyone looking in the Sacramento area!