Kemper Ray | Luxury Buyer's Guide

Buyer’s Guide

About the Oldham Group

The Oldham Group is a Collective of talented agents, staff, and support, led by Andrew and Jennifer Oldham - Founding Agents for Compass Having closed over $1 Billion in sales volume during their career, Andrew and Jennifer lead a team that has substantially increased its business year over year while covering the expansive Santa Clara, San Mateo, San Francisco, Monterey, Santa Cruz, Alameda, and Contra Costa County real estate markets Because their agents have been selected based on their hyper-local expertise, they confidently represent a vast coverage area with in-depth knowledge across several counties. With over 85 years of combined real estate expertise in marketing, law, title, design, and escrow, they provide their clients talents and expertise unparalleled in the California market. Combining their knowledge and experience with their love and passion for residential real estate, local expertise, exceptional marketing, personal service and the backing of the nation’s best luxury brokerage, Compass, they will prove to you the Oldham Group difference.

$300+M

Closed Volume in 2022

Transactions closed in 2022

#62 Over 220

Teams in the nation

#20

Teams in California

#14

Top 100 producing agents or teams in the SF Bay Area

oldhamgroupcompass

californialiving.me

OLDHAM GROUP

Kemper Ray

SF Bay Area Specialist

A lifelong Bay Area resident, Kemper grew up in Belmont and attended Santa Clara University where he received his Bachelor of Science degree in Marketing. Kemper then began his career in product marketing at some of the top tech companies in Silicon Valley. A few years later, he found his passion for real estate and began his real estate career. As an agent he knows that h clients are looking for guidance and support in their transactions, but Kemper offers more than that. He is committed beyond just facilitating a sale or purchase – his goal is to create such a strong foundation with you that you’ll want him in your real estate life forever. Having gone through the process himself, he understands it’s a life changing experience and knows how important it is to anticipate clients’ questions and concerns. With his passion for helping people, his marketing expertise, and his strong negotiation skills, he gives clients the white glove service they truly deserve.

Jennifer Oldham

Team Leader

Jennifer is a high-performing real estate professional, who is not only an experienced realtor and loan officer, but also a skilled negotiator and a real estate paralegal. What sets Jennifer apart is her ability to listen to her clients’ needs and use her indepth knowledge of the real estate market to negotiate the best deal to exceed the clients’ expectations. With more than two decades of experience working for residential real estate, title, escrow, and specializing in high net worth clients. Jennifer knows exactly what it takes to buy or sell a home. This is one of the reasons why she has been an award-winning Realtor since 2000. When working with clients, Jennifer first learns about what the client wants, then clearly explains the process, sets goals, and works hard to accomplish the best result. Jennifer has built the team on three simple principles: 1. Be Kind, 2. Be Professional, 3. Be an Expert. Jennifer ensures each one of the Oldham Group Team members exemplifies this mantra without exception. Jennifer started in real estate 20 plus years ago in the Bay Area, and never quit.

408.835.4119

jennifer@compass.com

DRE 01325650

She loves seeing great families find the right home, and wonderful agents expand their real estate acumen and experience. An adrenaline junkie, Jennifer has sought out and excelled at every possible extreme sport, from racing dirt bikes to competitive boxing, ice skating to skydiving, she has done it all. Her motto “Don’t eff it up!” pretty much sums up Jenn’s leadership style. Funny and full of love, this bad ass hugger makes long lasting connections with her clients and team members alike. Realtor®

Andrew Oldham

Team Leader/Attorney

Originally a real estate lawyer, Andrew’s 40 years of real estate experience makes him uniquely able to tackle any real estate problem. From legal expertise, to escrow and title specifics, to brokerage, Andrew has done it all and he loves doing it, for his clients and his team. Before starting the Oldham Group, Andrew had a long career as a real estate litigator, and real estate entrepreneur.

After passing the bar, his real estate law career took off and he spent years in escrow litigation as a freelancer and salaried lawyer. In the nineties, Andrew founded a real estate company called eHome. eHome took advantage of burgeoning internet technology, and found a home for real estate there. They raised 30 million in capital and were the first to make the MLS searchable for clients, not just agents, and expanded to three states.

When he’s not assisting clients and agents, or working with Compass to help them improve their tools and resources, Andrew loves walking Asilomar beach with his wife and business partner, Jennifer and their adorable Boston, Abby. Andrew prides himself on being a kind, and loving person first and foremost, and second (but just barely) an excellent real estate professional.

Testimonials

I would highly recommend Kemper to anyone looking to buy or sell their home! Kemper is a Bay Area native and knows so much about the area and the ins and outs of the various neighborhoods and cities along the Peninsula. He is a top notch communicator – always quick to answer questions or look into a property and is quick to help with last minute requests. He is helpful with accommodating anyone ' s schedule. He takes the time to truly understand what his clients are looking for and makes the process fun, easy, and enjoyable. Can't recommend him enough!

Kemper did an amazing job helping my mom buy her new home. He was always very attentive, and listened to all of her needs. There were many times he went above and beyond, spending several hours a week talking to her about her thoughts, ideal plans, and went into detail about different options. Kemper worked with my mom for 6 months until she was ready to buy a new home, and he continued to be as eager and devoted as day 1. I highly recommend working with Kemper, his can-do attitude, optimism, and unquantifiable knowledge made this process seamless and a great experience for my family.

Kemper is a fantastic agent that always puts his clients first. He is very flexible and often works late at night to get things done as soon as possible. Working with him has been a breeze and he made my life very easy even though my circumstances sometimes made things difficult. He is very knowledgeable in the industry and I could always rely on his expertise. Kemper was also very strategic in negotiations and I was able to get the property under listing price and get a great deal. Through Kemper's connections, I was even able to see houses online and in-person before they were even on the market which was a huge advantage. I highly recommend working with him!

SIGNIFICANT SALES

REDEFINING REAL ESTATE

Founded in 2012, Compass pairs best-in class agents with cutting edge technology and unparalleled marketing. Our innovative approach has secured over $1.5 billion in capital from the world’s most prominent investors, allowing for the development of tools and recruitment of talent to build a once-in-a-generation company.

THE LUXURY DIVISION

By virtue of admission into the Compass Luxury Division, our most prestigious properties are shared with an elite audience of luxury consumers, top brokers, and qualified buyers around the world.

LUXURY DIVISION NEWSLETTERS

32K+

75K+

Over 32,000 high net worth individuals and leading brokers worldwide subscribe to receive our most luxurious listings every month.*

CURATED MAGAZINE

Our bi-annual periodical of luxury properties, Curated Magazine reaches an elite international audience of over 70,000 luxury consumers and qualified buyers.*

20K+

240K+

LUXURY BROKER NETWORK

As the largest independently owned brokerage, listings easily and effectively reach our growing network of 20,000 top agents across the country.**

LUXURY DIVISION WEBSITE

Our specialized luxury property website, LuxuryatCompass.com, drives over 240,000 visits from luxury consumers and brokers annually.*

The Compass Advantage

Compass takes a tech-driven, personalized approach, combining a collaborative agent community, in-house creative agency, and the industry’s most tenured leadership team.

*Source: Broker Metrics. Residential sales for eight Bay Area counties from 11/1/20 - 10/31/21.

My Compass tools and programs help you find your next home

Collections

Collections lets you compare multiple properties—their size, neighborhood, amenities—within a central visual workspace. I can monitor market activity in real time, stay in constant contact, and invite collaborators to join in on our search discussions.

Coming Soon and Private Exclusives

What buyer isn’t looking for an edge over the competition? Browse unique properties that are only viewable on Compass.com and discover your future home before it even hits the market.

Search

Compass Search can sort by a wide range of features and amenities to pinpoint the perfect home. Plus, discover exclusive Compass listings you won’t find anywhere else and receive realtime notifications of new homes with customized Saved Searches!

Exclusive Zillow Showcase Listing

Only a few listings each month receive the opportunity to be a Zillow Showcase Listing, let’s make one of them your home!

Your home will gain prioritized exposure by potential buyers when they search for properties on Zillow with over 226 million average monthly unique users.

Your listing will receive dedicated, branded "new property alert emails" sent to interested buyers.

With a limited number of listings per city, Showcase helps your home stand out with best- in-class media like high-resolution photography, interactive floor plans, room-by-room photo organization and virtual tours to impress potential buyers

Buy Before You Sell

Move into your new home now, then sell your old home on the open market after with our partner's Buy Before you Sell program

How does Buy Before you Sell Work?

Unlock equity from your home with ease

Our partner will evaluate your property for the program and let you know how much of your equity you can unlock for the purchase of your new home.

Buy your dream home with confidence

Make a strong offer on your new home without a home sale contingency and avoid moving twice.

Sell your current home with peace of mind

We'll list your home vacant on the market to attract the strongest offer possible.

Commonly Asked Questions

How much does the program cost?

It’s free to get started and see how much equity you can unlock. If you decide to transact using the program, there is a flat fee of 2.4%* of the departing residence home sale.

How do you determine how much equity I can unlock from my current home?

The amount of equity you can unlock is determined using our partner’s proprietary algorithm, which takes into consideration the estimation of your home’s value, current market conditions, projected market risk, borrower financials, outstanding loans, and more. You’ll be able to unlock a portion of the overall equity you have in your home upfront, prior to selling the home — and will receive the remainder of your equity after the home sells, less program fees and expenses.

What if my home is already listed?

There is no limit for how many cumulative days a property has been listed on the market at time of submission However, the total number of listed days can affect your Equity Unlock Amount based on the risk profile of the property

Cash Oer

How does it work?

Get fully cash approved

Our partner evaluates you for the program and, if approved, they underwrite you in full to empower you to make a Cash Offer.

Make a strong offer on your new home

Write a Cash Offer under your name with our partner's proof-of-funds rather than a pre-approval letter, with no financial or appraisal contingencies

Close in as few as 12 days

You’re able to move in immediately upon closing.

Mortgage closing

Our partner refinances you into a long-term mortgage ~20-30 days later.

Frequently Asked Questions

How much does the program cost?

Cash Offer has a flat fee of 2%** of the incoming residence purchase price

How long does the HomeLight Cash Offer process take?

It depends on how quickly you are able to provide the requested documentation for your upfront underwrite. Our partner can complete the underwrite in a few days after they have the loan application and all supporting documents. Once you ’ re fully cash approved, they can close on your home in as few as 12 days after offer acceptance. The refinance of your short-term cash loan into a long-term mortgage takes 20-30 days on average.

Does our partner still require an appraisal?

Yes In most cases, an appraisal is required The appraisal occurs after your short-term cash loan closes, but before the refinance of the short-term cash loan into a long-term mortgage This is to protect you from appraisal gap risk while removing the appraisal contingency on your offer

How does the short-term cash loan work?

You are provided with a short-term Cash Loan at the same interest rate as your mortgage, which you combine with your own down payment to purchase your home. You will receive loan disclosures for both your short-term cash loan and your mortgage once you ’ re under contract with the seller.

How do I know if I’m a good fit for the program?

Cash Offer is a great fit for a variety of buyers our partners are able to approve up to $2 million in loan value. We can also assist clients in need of a VA, and ensure a closing within 35 days. However, we ’ re currently unable to work with clients who require a USDA loan.

Buying and Selling in a Competitive Market?

Make the strongest offer with a powerful combo:

Buy Before You Sell + Cash Offer

No home sale contingency

No financing contingency

No appraisal contingency

Close in as few as 12 days

Stronger offer under your name

No expensive alternative financing

No costly in-between homeownership

How it works

Buy Before You Sell Traditional Sale & Loan

Unlock a portion of equity from your current home with Buy Before You Sell.

Find your dream home and use Cash Offer to make a strong offer. You’ll use the equity you unlocked with Buy Before You Sell to make a competitive and non-contingent Cash Offer on your new home.

Win your dream home. Cash Offers are 4x more likely to win compared to offers with a loan contingency*.

Move into your new home while I prep, stage and list your old home to ensure it sells for its maximum market value.