Reality Matters · Alliance Bay Realty · All of California
Sell with a negotiator. Buy with 22+ years behind you.
I'm Munawer Dhala — REALTOR® and negotiator based in the Bay Area, serving all of California. Buyers, sellers, and investors get a deal-maker who has closed through every kind of market since 2004 — and who works for them, never for the other side.
22+ years of experience25 builders in the October sweepStatewide — Bay Area to Central Valley & beyond
22+Years in California real estate
25builders swept for October
Every offersource-linked and date-checked on the builder's own site
1-on-1You work directly with Munawer — no handoffs
New construction · Northern California builder sweep · Checked October 23, 2026
New homes
Every builder. One conversation.
Thinking about a new home? I just swept every major builder selling across Northern California — the Bay Area, the Sacramento metro, and the northern San Joaquin Valley — and checked each deal on the builder's own website on October 23, 2026. Published offers are below with their sources; builders with no published offer right now are named too, so nothing hides behind "call for details." One thing worth knowing before you tour anything: everyone who greets you in a builder's sales office works for the builder. I work for you — comparing homes and incentives side by side, negotiating what the sales office doesn't volunteer, and registering you on the first visit so your interests are protected.
Live Lennar Central Valley rate — sign by Oct 25: Lennar's promotional FHA 5/1 ARM at 3.99% (7.037% APR) closes its sign window October 25, 2026 (close by November 30, 2026). Also on the clock: TRI Pointe Sacramento (agreement by Oct 31, 2026) and Century Communities' "Homes Worth Moving For" (contract by Nov 16, 2026, close by Nov 30, 2026).
Central Valley · Sign by Oct 25 · Close by Nov 30
Lennar — Central Valley FHA 5/1 ARM at 3.99%
New live offer in the greater Central Valley: a promotional FHA 5/1 ARM at 3.99% (7.037% APR) — fixed for the first five years, then adjusting annually — on select new homes in Selma, Fresno, Visalia, Dinuba, Shafter and Bakersfield, via Lennar Mortgage with Lennar-paid discount points. Sign a purchase agreement by October 25, 2026 and close by November 30, 2026; subject to borrower qualification. Separately, Lennar's Bay Area / Sacramento Fall Super Sale required signing October 12–18, 2026 and has ended for new buyers — the November 30 close-by date from that sale applies only to buyers who already signed during the sale window.
Source: lennar.com — Central Valley promotion, verified October 23, 2026 · Fall Super Sale: lennar.com — Bay Area promo · Sacramento promo · Sale ended October 18, 2026Sign by Nov 15 · Close by Dec 31 · Sacramento
Richmond American Homes
Introductory payments based on 4.999% (6.749% APR) for a year; FHA fixed example 4.999% (5.737% APR). Plus ARM offers now confirmed for California on the builder's own detail pages: FHA 5/1 ARM 4.250% (5.421% APR) and VA 5/1 ARM 4.250% (4.988% APR) for the first 5 years, and a conventional 7/6 ARM at 4.999% (5.143% APR) for the first 7 years — contract Oct 19 – Nov 15, 2026. Sign by Nov 15, 2026 and close by Dec 31, 2026 — first-come, first-served, via HomeAmerican Mortgage.
Sacramento: FHA 2/1 buydown first-year rate 3.49% (6.164% APR) — agreement by October 31, 2026, close by December 31, 2026; plus a closing credit of up to $60,000 — agreement by October 31, 2026, close by February 28, 2027. Bay Area: up to $50,000 closing credit — contract by Jan 7, 2027, close by Feb 21, 2027, via Tri Pointe Connect.
5.250% note rate (5.993% APR) on a 7/6 ARM at select NorCal communities via affiliate lender Icon Lending — first-come while committed funds remain. Published cuts up to $164,800: Verdello at Arroyo Crossings, Livermore, $1,445,468 → $1,280,668. Francis Ranch, Dublin: a $25,000 lender incentive at all four Francis Ranch neighborhoods — Jasmine, Marigold, Azure and Orchid — subject to change at any time.
Source: trumarkhomes.com — NorCal incentives · Francis Ranch incentive confirmed by email from Trumark Homes, October 18, 2026Quick move-in · No deadline published
Shea Homes — Trilogy 55+
Quick move-in prices already include incentives: one Trilogy San Juan Oaks home at $899,999, down from $1,021,584 — $121,585 in total incentives included; two more include $75,415 and $84,855. The Meadows at Marsh Creek (Brentwood) QMI homes from $665,115.
Abigail Place, Walnut Creek: the final homes are built and selling first-come — 11 remain, and there are no future releases. Four-bedroom plans (~2,299–2,511 sq ft) from $1,295,000; the 11 available homes run $1,295,000–$1,530,000. Serenity, Livermore:11 homes available — four quick move-in homes from $775,000, the rest delivering December 2026 and February/March 2027, and three future phases plus models still to come. Available homes $775,000–$966,900; an interest list is forming for Serenity's two largest plans.
4.99% (5.892% APR) 7/6 ARM on select quick move-in homes, plus FLEX Cash up to $60,000 toward closing costs, prepaids, design options, or a rate buydown. (The current figure is $60,000 — Pulte's page still shows last cycle's expired $75,000 footnote.) Also on select homes: an Appliance Package — washer, dryer and refrigerator included — for contracts signed October 16 – November 30, 2026, confirmed at Ascent at Montelena (Rancho Cordova), Lily at Placer One and Jasmine at Solaire (Roseville).
The National Sales Event has been extended — deposit by Oct 25, 2026 for event savings. Quick move-in rate: 5.49% 30-year fixed through Toll Brothers Mortgage (payment factor $5.67 per $1,000 financed). Example: $500,000 loan on a $555,556 price, 10% down, 740 credit score; loan amounts $250,000–$832,750, primary residence only, no FHA/VA. Sign on or after Oct 8, 2026 and close by Dec 28, 2026.
Source: Toll Brothers email, October 19, 2026 — National Sales Event extension · Re-confirmed in Toll Brothers email, October 22, 2026Contract by Nov 16 · Close by Nov 30
Century Communities — Homes Worth Moving For
New national promotion on select homes via Inspire Home Loans: FHA 5/1 ARM 3.875% (4.735% APR), VA 5/1 ARM 3.875% (4.302% APR), conventional 7/6 ARM 4.875% (7.36% APR), or 30-year fixed — FHA 5.25% (6.143% APR) / VA 5.25% (5.719% APR) / conventional 5.5% (5.775% APR). Contract on or before November 16, 2026, close on or before November 30, 2026. (ARM rates improved from 4.25% — re-verified Oct 21 PM.)
Source: Century Communities — "Homes Worth Moving For" national promotion, verified October 23, 2026
More live offers from the sweep
KB Home — Special low rate: example FHA 5/1 ARM at 4.990% (5.781% APR); the advertised APRs factor in a $5,000 closing-cost credit plus seller contributions toward a buydown. Sign by Oct 31, 2026, finance with KBHS Home Loans, lock within 30 days. (Rates valid as of 9/24/26 per KB's fine print.)
Source: kbhome.com — special low rate
D.R. Horton — California Red Tag Event: special prices on select homes for contracts Oct 9 – Nov 1, 2026, plus a locked-rate pool through DHI Mortgage (contract on/after Aug 25, close by Dec 15, 2026). Open question: the flyer's rate figure sits in its graphics, not published as text — I'll confirm the exact number with the division before you rely on it.
Source: D.R. Horton — CA Red Tag flyer
Woodside Homes — Imagine Happier Bonus: up to $20,000 in flexible savings on select move-in-ready homes, usable toward closing costs, a rate reduction, or payment relief — with a rate advertised as low as 4.75% 30-year fixed (5.521% APR). "Limited time" — no calendar deadline published. Plus NEW special financing on select homes via HomeAmerican Mortgage: FHA 30-year fixed 4.999% (5.737% APR), VA 30-year fixed 4.999% (5.287% APR), conventional 30-year fixed 5.375% (5.508% APR) — contract October 19 – November 15, 2026, close by December 31, 2026, first-come while funds last.
Source: woodsidehomes.com — Imagine Happier Bonus · woodsidehomes.com — Special financing, verified October 23, 2026
Brookfield Residential — $30,000 incentive badge at Foundry at RiverSound (Napa); "rates as low as 3.25%" at RiverSound and "2.99%" at Amoruso Ranch (Roseville). Headline figures only — Brookfield's page publishes no APR, loan type, or deadline — I'll verify the structure with the builder before treating these as comparable offers.
Source: newhomesbrookfield.com
Meritage Homes — Closing-cost incentive when you use Meritage's preferred lender and closing agent; the amount varies by homesite and is capped at 3% of the base price (including lot premium). No rate promotion or deadline published.
Source: meritagehomes.com — closing-cost terms
Kiper Homes — River Islands, Lathrop: closing-cost incentives you can use to buy down a long- or short-term rate. The dollar amount is not stated on Kiper's promo page — contract by Nov 1, 2026 and close by the end of 2026, with Kiper's premiere lender.
Source: kiperhomes.com — rate buydown offer
City Ventures — "Deals to Make You Move": 5.99% (6.972% APR) 30-year fixed on select homes, for contracts closing by December 23, 2026. Alongside it, the $2,500 buyer incentives through its Referral, Heroes (military & civil servants), and Repeat Buyer programs — $2,500 each; every home also includes the Living Green package (owned solar, smart tech) as standard. (The Gates in Morgan Hill is currently listed from $999,990.)
Source: cityventures.com — buyer programs · "Deals to Make You Move" offer verified October 20, 2026
Discovery Homes — Vandengate, Vacaville held its grand opening Saturday, Oct 17, 2026. No dollar promotion published yet — its promotions page says registered buyers will be first to know.
Source: discoveryhomes.com — Vandengate
Taylor Morrison — NEW "Make Moves" promotion, with California included in the published offer area: conventional 7/6 ARM starting at 4.25% (5.49% APR) for the first 7 years on select quick move-in homes, plus up to $4,000 toward closing costs, prepaids, discount points and/or a temporary buydown fund at closing — contracts entered October 19 – November 1, 2026, close by December 31, 2026, via Taylor Morrison Home Funding; locked pool of funds, available while funds last; pre-apply with the affiliated lender before submitting an offer. Example: $500,000 price, $400,000 loan, 20% down, 780 median credit score. Confirm your community is participating before you tour.
Source: taylormorrison.com — Make Moves promotion, verified October 23, 2026
Selling here, but no published offer right now (checked Oct 23, 2026 on each builder's own site): SummerHill Homes · Beazer Homes · Signature Homes · DeNova Homes · Blue Mountain Communities — communities selling, no rate, credit, or dollar offer published. Landsea Homes (last Alameda Marina offers expired July 2025), Elliott Homes and Tim Lewis Communities (only expired 2025 offers remain on their sites) have no current promotion verified. If one of these is the home you want, text me — I'll call the sales office and get today's real number before you visit.
Where they're building — communities found in this sweep
Lennar35+ collections — Tracy Hills · Mountain House · River Islands, Lathrop · Vacaville · Stockton · Manteca · Patterson · SF Shipyard · Sacramento metro: Northlake, Rancho Cordova, Elk Grove, Galt, Roseville, El Dorado Hills & more
D.R. HortonAmerican Canyon · Santa Rosa · Vacaville · Roseville · Sacramento · Patterson · Oakdale · Riverbank · Waterford
KB HomeOakley · Sacramento (Delta Shores, Archer Estates, Westcott Station) · Elk Grove · Roseville · Riverbank · Santa Rosa · Cameron Park (coming)
Tri Pointe Homes15 communities — Roseville · Rancho Cordova · Folsom area · Mountain House · San Jose (Lotus at UrbanOak) · Vallejo (Cascade at Waterstone)
Trumark HomesFrancis Ranch, Dublin (Jasmine, Marigold, Azure & Orchid) · Deerwood Heights, San Ramon · Apricot Estates, Brentwood · Arroyo Crossings, Livermore · The Collective (55+), Manteca
Richmond American HomesPlumas Lake · Rancho Cordova · Rancho Murieta · Belleza at Lakeview, Mountain House · Elk Grove
Pulte Homes / Del WebbSacramento metro — Roseville (Solaire, Placer One) · Mountain House (Laurel at Avina) & area 55+ communities
Shea HomesAbigail Place, Walnut Creek · Serenity, Livermore · The Meadows at Marsh Creek & Orchard Grove, Brentwood · Trilogy Bickford, Lincoln · Trilogy San Juan Oaks, Hollister
Woodside HomesAshbourne, Montrose & Kingsley at Ellis, Tracy · The Trails, Folsom
Brookfield Residential8 NorCal neighborhoods — RiverSound, Napa · Amoruso Ranch, Roseville · Rosewood, Morgan Hill · Boulevard, Dublin
City VenturesSanta Rosa · Richmond · The Gates, Morgan Hill · Pinnacle, Milpitas · Parkview, Livermore · The Highlands, San Bruno
Kiper HomesSkye, Serena & Capri at River Islands, Lathrop
Meritage HomesDelta Shores & East Village, Sacramento · Riverine, Oakley · Legacy at Liberty, Lincoln
Toll BrothersSan Bruno · Santa Clara · Sunnyvale · Morgan Hill · Milpitas · Regency at Tracy Lakes · Folsom Ranch · El Dorado Hills
Taylor MorrisonFolsom Ranch · Sacramento · Elk Grove · Roseville · Rocklin · Mountain House · Manteca
Century CommunitiesWest Sacramento · Sacramento · Stockton · Mountain House · Discovery Bay · Rohnert Park · Lincoln · Davis (coming soon)
SummerHill HomesFremont · Santa Clara · City Village, San Ramon · San Jose · Moraga · Pleasanton · Los Gatos
Reply with five lines — budget, area, beds & size, timing, financing — and I'll shop every builder on this list against them. Don't walk into a sales office alone first: registration on the first visit matters. Every offer above was published by the builder on its own website and checked October 23, 2026 (source linked with each offer) — except the Francis Ranch lender incentive, which Trumark confirmed to me directly by email on October 18, 2026, the Abigail Place and Serenity pricing, which Shea Homes confirmed on price sheets sent to me on October 19, 2026, and the Toll Brothers National Sales Event extension and quick move-in rate, which Toll Brothers sent by email on October 19, 2026; offers are on select homes, subject to change or withdrawal, and I'll verify the current terms on the exact home you pick before you sign anything. Sweep notes: no active builder selling in Northern California was found under the name "Legacy Homes," and Wathen Castanos Homes is not selling in this region (now part of Trumark) — neither appears above.
Start here
What are you here to do?
Sell — and keep more of your equity
Full-service listing at 1% on the listing side (all commissions are negotiable). Same MLS exposure, professional marketing, and hard negotiation.
Pre-listing make-ready guidance — what to fix, what to skip, and how to price so buyers compete.
Listed before and it didn't sell? Expired and cancelled listings are a specialty — honest diagnosis, fresh strategy.
Probate, trust & estate sales handled with patience and full documentation.
From first tour to keys in hand, you get direct access to me — not a showing assistant. I hunt on- and off-market, and I negotiate like it's my own money.
First homes, move-ups & downsizes across the Bay Area and Central Valley.
New construction — I register you with builders on the first visit so your interests are represented, and I know where the incentives hide.
Offer strategy built on real comparable sales — win without overpaying.
Lender & escrow coordination so closing stays on track.
I work with investors the way I invest myself: numbers first. Multifamily, value-add, and off-market opportunities across the Central Valley and Bay Area.
Multifamily specialists — duplexes to apartment buildings, analyzed by cap rate, rent-to-price, and cash flow.
Off-market & distressed — estate, probate, as-is and handyman properties surfaced through daily MLS watches.
Land & lots — residential and agricultural parcels statewide.
Straight talk on every deal — if the numbers don't work, I'll tell you to walk.
Listing-side commission only; a buyer's-agent commission, if offered, is separate and set by you. All commissions are negotiable — the 1% rate is per broker-approved terms. Estimate only, not a quote.
What we do
Everything, under one roof
One experienced agent for the whole transaction — selling, buying, investing, and the tricky ones other agents pass on.
Sellers
Home selling, full service
Pricing strategy, make-ready guidance, professional marketing, MLS exposure, and negotiation — full service from first walkthrough to closing.
Buyers
Home buying & new construction
Guided search, off-market leads, builder registration and incentive negotiation, and offer strategy grounded in real comparable sales.
Investors
Multifamily & investment
Duplexes to apartment buildings across the Central Valley and Bay Area — cap-rate and cash-flow analysis on every property, value-add and Section 8 strategies included.
01
Expired & cancelled listings
Your home didn't sell — that doesn't mean it can't. Honest diagnosis of price, presentation, and exposure, then a relaunch plan built on what the market actually said.
02
Probate, trust & estate sales
Inherited property, court timelines, and multiple decision-makers — handled patiently, documented carefully, and priced to sell without leaving money behind.
03
Land, lots & as-is sales
Residential and agricultural land, fire-damaged and as-is homes, and cash-buyer situations — priced from real land and comp data, marketed to the buyers who actually close.
How it works
Selling with Munawer, step by step
1
Talk it through
A no-pressure call or meeting. We look at your home's real value, your timing, and your net — including exactly what you'll net.
2
Make it ready
A short, prioritized prep list: the fixes that pay back, the ones that don't, staging and photography that make buyers compete.
3
Launch & negotiate
Full MLS and online exposure from day one. Every offer reviewed with you, negotiated hard — price, terms, and contingencies.
4
Close & keep more
Escrow managed to the finish line. You close knowing where every dollar went.
Where we work
Based in the Bay Area. Working all of California.
Home base is Livermore — and the coverage is statewide, from Silicon Valley to the Central Valley and beyond.
All of CaliforniaLivermoreSan JoseFremontNewarkHaywardDublinPleasantonTracyModestoStocktonMantecaLodiMercedFoster CityAlvisoEvergreen
Meet your agent
Munawer (HOSIN) Dhala
REALTOR® · Negotiator · CA DRE #01470107
Twenty-two-plus years of Bay Area real estate — Silicon Valley to the Central Valley — through booms, crashes, and everything between. I built this practice on one idea: clients deserve senior-level negotiation and honest numbers, not a junior handoff and a 3% habit. When you hire me, you get me — on the calls, at the negotiating table, and at closing.
Member: California Association of REALTORS® (CAR), National Association of REALTORS® (NAR), MLSListings, and SCCAOR
Specialties: Seller representation, expireds, multifamily & investment, new construction, probate & land
Brokerage: Alliance Bay Funding Inc. dba Alliance Bay Realty · Broker DRE #01522539
My home was listed before and didn't sell. Can you help?
That's one of my specialties. We'll look honestly at why it didn't sell — price, condition, presentation, or exposure — and relaunch with a corrected strategy instead of repeating the same listing and hoping.
Do you only work in the Bay Area?
No — I'm based in the Bay Area (Livermore) and I work all of California, including the Central Valley: Modesto, Stockton, Tracy, Manteca, Lodi, and Merced are core markets for me, especially for investors.
I'm an investor. What do you look for?
Cash flow first: cap rate, rent-to-price ratio, and realistic expenses — on multifamily, value-add, and off-market deals. Send me your buy box (budget, target return, areas) by text and I'll match deals against it as they surface.
How do we start?
Call or text (408) 242-1801, or send the form below. You'll talk directly with me — no call center, no assistant screening you out.
