Buy Smarter in San Diego, With Lovery by Your Side.
Off-market access, expert negotiation and a free termite inspection, 13-month home warranty and moving truck rental, with licensed Realtor Ryan Fisher guiding you from your first showing to the day you get your keys.
Start your home search.
Tell me a little about your move and I will reach out to plan your search.
The Lovery Buyer Program. Everything included.
Six benefits built into every purchase, designed to find you more homes, win the right one and make the move easier once it is yours.
Off-Market Access
See homes before they reach Zillow or Redfin, through my agent relationships, past clients and direct outreach to homeowners in the neighborhoods you want.
Expert Negotiation
Offers built on what homes near you are actually selling for, with terms that help you win without overpaying.
Free Termite Inspection
One termite inspection on the home you are buying, covered by Lovery, not by you.
Free 13-Month Home Warranty
A 13-month home warranty on your new home, covered by Lovery, for help with covered systems and appliances after you move in.
Free Moving Truck
A one-day moving truck rental, paid for by Lovery, so moving into your new home costs a little less.
Preferred Lender Network
Lenders I trust for competitive programs and a smooth pre-approval. Prefer your own lender? That works too.
The right offer for every home.
Not every offer should be built the same. I pick the strategy from what homes near yours are actually selling for, how much competition there is and how much you want the home.
All-In Offer
Your strongest offer, the price you would still be happy with if someone beat you by $1,000.
Strong Offer
Above asking but short of your maximum, with room left if the seller counters.
At-Asking Offer
The listed price, for lighter competition or a seller who may be flexible on terms.
Below-Asking Offer
When similar homes are selling under asking, or a home has sat on the market.
How buying a home works.
Eight steps from your first conversation to your keys, so you always know what comes next.
Meet With Ryan
A free consultation on your goals, timeline, must-haves and budget.
Get Pre-Approved
With a preferred lender or your own, matched to the right loan program.
Search for Homes
Homes that fit your criteria, including off-market options.
Make an Offer
The right strategy for the home, the market data and how much you want it.
Open Escrow
Your offer is accepted, escrow opens and your deposit goes in.
Inspections
Home and termite inspections, appraisal and disclosure review, all coordinated for you.
Final Walkthrough
A last look shortly before closing to confirm the home is as agreed.
Get Your Keys
Sign, fund and record. The home is yours, and the moving truck is ready.
See homes before everyone else does.
When a home you love appears on Zillow, every other buyer sees it at the same moment. Off-market access puts you in front of homes before that rush starts.
I find them through other agents who know what my buyers want, past clients, and direct outreach to homeowners in the neighborhoods you are targeting. I do not just wait for the right home to appear. I go looking for it.
- Less competition from other buyers
- More room to negotiate price and terms
- Time to decide without a bidding war clock
What buying a home really costs.
Knowing every cost upfront prevents surprises at closing. Here is what to budget for, and what the Lovery Buyer Program covers.
| Cost | Typical amount | Who pays |
|---|---|---|
| Down payment | 3% to 20% of the price | Buyer |
| Closing costs | 1% to 3% of the price | Buyer |
| Home inspection | $400 to $1,000 | Buyer |
| Appraisal | $700 to $800 | Buyer |
| Termite inspection | $100 to $175 | Covered by Lovery |
| Home warranty, 13 months | Varies by plan | Covered by Lovery |
| Moving truck rental, one day | Varies | Covered by Lovery |
| Buyer agent compensation | Set in your buyer agreement | Often negotiated to be paid by the seller at closing |
Your lender gives you a detailed cost estimate at pre-approval, so you know your budget before you start touring. For a head start, run your numbers in our San Diego mortgage calculator to see the full monthly payment, not just the price.
What happens during escrow.
Escrow is the time between your accepted offer and your keys. Several things happen at once, and I manage every one of them with you.
Earnest money deposit
Within a few days of acceptance, you deposit earnest money, often 1% to 3% of the price, into escrow. It shows good faith and is credited toward your purchase at closing.
Loan and appraisal
You finalize your loan and lock your rate. Your lender orders the appraisal, and if it comes in low, I negotiate a price adjustment or restructure the deal.
Inspections
A licensed inspector reviews the home, and Lovery covers your termite inspection. I walk you through the findings and negotiate any repairs or credits.
Disclosure review
You review the seller disclosures and reports. I flag anything important and help you decide whether to proceed, renegotiate or cancel within your contingency period.
Insurance and home warranty
You secure homeowners insurance before closing, and your 13-month Lovery home warranty is set up for your new home.
Contingency removal
Once inspections, appraisal and loan approval are done, you remove contingencies and commit to the purchase. From here your deposit is at risk if you back out.
Final walkthrough and closing
You walk the home one last time, sign with escrow and title, and fund. When the deed records, the keys are yours, and your moving truck is ready.
Who represents you matters.
Big buyer teams hand clients from agent to agent. Showings get missed and calls go unreturned. That is not how I work. Every Lovery Buyer Program client works with me directly, from the first consultation to closing day, with a trusted support team behind me.
I answer the phone, I show up to inspections, and I negotiate the way I would if I were buying the home myself.
Who works on your purchaseWhat buyers say about us.
81 five-star reviews across Google, Zillow and Yelp.
“Working with Ryan was game changing compared to our previous realtor, he understood exactly the type of house we were looking for and helped find houses that fit in the areas we were interested. He knew how hot the North Park/University Heights areas were and started getting creative with our offers to help us beat out the all cash offers that kept beating ours. His strategy ended up working on the perfect home in University Heights and we could not be more happy!”
“Working with Ryan was truly an outstanding experience from beginning to end. Buying a home can be incredibly stressful (especially first time), but he made the entire process feel organized, manageable, and surprisingly smooth. … We never felt pressured or left in the dark.”
“We ended up at a showing at a beautiful home, but weren’t looking to buy for a few months. Ryan called the next day with a unique opportunity – an earlier close with a rent back option. It solved all of our problems, and we beat out two other higher offers because of our ability to work with the sellers’ timeline.”
“I would like to buy another house just to work with Ryan again! We loved every second of working with him. … Did I mentioned we found our home the first day we went out with him? – He understood what we were looking for and made it happen for us.”
“My husband and I were in the middle of a trip through Africa when we started the process of purchasing an investment property and we never even saw the home in person. Despite the distance and time zone challenges, Ryan made everything seamless from start to finish.”
“10/10 recommend Lovery Real estate. Ryan worked with us while we were out of state and even viewed homes for us. Never pressured us and always gave solid advice. We found the best home for us!”
“Ryan’s deep knowledge of the local market combined with his experience in renovations uncovered several gems to consider and helped us feel comfortable about our decision on location and the house, given we only moved to San Diego in 2021.”
“As a first time buyer even the idea of buying a house was stressful, but Ryan helped make it as seamless and stress-free as possible. He is also knowledgeable about the whole real estate market and construction business.”
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Questions buyers ask before they start.
Anything else? Call or text (619) 651-9869.
What is the Lovery Buyer Program?
The Lovery Buyer Program is how Ryan Fisher of Lovery Real Estate represents home buyers in San Diego County. It includes off-market access, expert negotiation, a free termite inspection, a free 13-month home warranty, a free one-day moving truck rental and a preferred lender network, with Ryan working with you directly from your first consultation through closing.
How much does the Lovery Buyer Program cost?
There is no upfront cost to join. Before you tour homes, you and Ryan sign a written buyer agreement that sets how he is paid. In most purchases he negotiates for that compensation to be paid by the seller at closing, so many buyers pay nothing out of pocket for representation. Ryan reviews the agreement with you line by line before you sign.
Is the termite inspection really free?
Yes. Lovery covers one termite inspection on the home you are buying, typically a $100 to $175 value.
What does the free home warranty cover?
Lovery covers a 13-month home warranty on the home you buy. A home warranty helps pay to repair or replace covered home systems and appliances after you move in. Ryan shares the plan details during your consultation.
How does the free moving truck work?
Lovery pays for a one-day moving truck rental to help you move into your new home. Ryan sets the date with you as closing gets close.
What is off-market access and why does it matter?
Off-market homes are for sale but not yet listed on the MLS, Zillow or Redfin. Ryan hears about many of them through other agents, past clients and direct outreach to homeowners in the neighborhoods you want. Seeing a home before it hits the market means less competition and more room to negotiate.
What offer strategies work in San Diego?
Ryan uses four: an all-in offer for a home you cannot lose, a strong offer above asking with room to counter, an at-asking offer when competition is light, and a below-asking offer when the data supports it. The choice comes from what similar homes nearby are actually selling for.
Do I have to use one of your preferred lenders?
No. You can use any reputable lender. Ryan also has preferred lender relationships with competitive programs and smooth pre-approvals, but the choice is yours.
Do I need to be pre-approved before contacting Lovery?
No. The consultation comes first, then pre-approval. Ryan would rather talk through your goals and timeline before you meet a lender, so you walk in with the right plan.
How long does it take to buy a home in San Diego?
The search can take two weeks or much longer, depending on the market and what you want. Once you are under contract, escrow usually runs 21 to 45 days, depending on your financing and contingencies. Ryan moves at your pace.
What if my offer is not accepted?
It happens, especially in a competitive market. You and Ryan review what happened, adjust the strategy and go after the next home. There is no extra cost and no penalty.
What areas do you serve?
Ryan helps buyers across San Diego County, with particular depth in Chula Vista, Bonita, North Park, University Heights, Normal Heights and La Jolla, and he has also helped buyers in Riverside County.
Your next home is out there. Let us go find it.
Start with a free consultation. We will talk through your goals, your budget and your timeline, then build the plan to get you into the right home at the right price.