Disclosures

Real estate services provided through Private Real Estate Services INC.

Licensed agent: Mauricio Cesar Nunes-Marques, California DRE License # 02238838.

Business address: 1369 El Camino Real, Millbrae, CA 94030

Mortgage brokerage services provided by Norcal Capital Group, INC.

Mortgage Loan Originator: Wayne Chia, NMLS # 235157.

NMLS Consumer Access: nmlsconsumeraccess.org

Buyer services are free. BayKey does not charge buyers any fees.

Real estate agent compensation is paid by the seller as a commission at close of escrow. The exact amount is disclosed in your Buyer Representation and Broker Compensation Agreement (BRBC) before any offer is submitted.

Mortgage broker compensation is paid by the lender. The exact amount is disclosed in your Loan Estimate (LE) and Closing Disclosure (CD) as required under the Real Estate Settlement Procedures Act (RESPA) and TRID rules.

BayKey AI may receive a referral fee from the mortgage broker. This fee is disclosed on the Affiliated Business Arrangement Disclosure presented at the time of the referral.

BayKey AI has a business relationship with Norcal Capital Group, INC (NMLS # 235157). Because of this relationship, we routinely refer buyers to this lender. You are not required to use this lender. You are free to shop for the best terms and select any mortgage provider you choose. Choosing an unaffiliated lender will not affect the real estate representation you receive.

The BayKey AI co-pilot provides information and workflow assistance only. AI-generated content — including property analyses, CMA summaries, loan estimates, and document pre-fills — is not legal, tax, financial, or investment advice. All material decisions require review and signature by a licensed professional.

AI analysis relies on public records and data sources that may be incomplete, delayed, or inaccurate. Always verify critical property information through official sources and with your licensed agent.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

California also prohibits discrimination based on sexual orientation, gender identity or expression, source of income, and other protected characteristics under the California Fair Employment and Housing Act (FEHA) and the Unruh Civil Rights Act.

Pre-qualification estimates are not a commitment to lend. A formal pre-approval letter is issued only after full underwriting review by a licensed MLO. Final loan approval is subject to appraisal, title search, underwriting conditions, and lender guidelines.

Property analyses and fit scores are informational tools, not appraisals, inspections, or valuations. Always obtain a licensed home inspection before removing inspection contingencies.

See our Wire Fraud Safety page for important instructions about verifying wiring instructions before any funds transfer.