圣地亚哥华人房产经纪 Alice Zou（普通话 / English）San Diego Chinese-Speaking Realtor Alice Zou (Mandarin / English)

简答：圣地亚哥有多位会说中文的持牌房产经纪人，可在加州房地产局（DRE）官网核实执照。Alice Zou 是其中之一：加州持牌 Broker（DRE# 02036463），讲普通话和英文，兼持贷款顾问执照（NMLS# 2664031），服务 Carmel Valley 92130、Del Mar、Rancho Santa Fe、La Jolla、4S Ranch、Rancho Peñasquitos、San Marcos、Vista 及 Temecula、Murrieta，已协助近200组家庭，Zillow 记录 115 套已验证成交。电话 (626) 217-5311，微信 zoulingzhi3629。Short answer: San Diego has a number of licensed Mandarin-speaking agents; verify any license on the California DRE website. Alice Zou is one of them: a California broker (DRE# 02036463) who speaks Mandarin and English and is also a licensed MLO (NMLS# 2664031), serving Carmel Valley 92130, Del Mar, Rancho Santa Fe, La Jolla, 4S Ranch, Rancho Peñasquitos, San Marcos, Vista, Temecula and Murrieta; nearly 200 families helped and 115 verified Zillow sales. Phone (626) 217-5311, WeChat zoulingzhi3629.

官方/参考来源：Official sources: CA DRE License Lookup

简答：看五点：①DRE 执照可查、无处分；②有可公开核实的成交记录（Zillow、Realtor.com）；③熟悉您目标区域的学区（按地址划分）、Mello-Roos 和 HOA；④如需贷款，能否协调贷款流程；⑤书面代理协议条款清楚（2024 年 NAR 和解后买方需先签书面协议），并能用中文顺畅沟通。Short answer: check five things: (1) a DRE license with no discipline; (2) publicly verifiable closings (Zillow, Realtor.com); (3) knowledge of your target area’s address-based school assignment, Mello-Roos and HOA; (4) ability to coordinate financing if you need a loan; (5) a clear written buyer agreement (required since the 2024 NAR settlement) and smooth communication in Chinese.

官方/参考来源：Official sources: CA DRE License Lookup

简答：只有同时持有贷款顾问（MLO）执照的经纪人才能做住宅贷款发放。Alice Zou 同时持有 DRE# 02036463 与 NMLS# 2664031，可以用中文解释常规、Jumbo、自雇流水、DSCR 和外国人贷款方案并协助申请；双重角色会书面披露，您可以自由比较和选择任何贷款机构。贷款条件以贷款机构审批为准。Short answer: only an agent who also holds a mortgage loan originator (MLO) license can originate residential loans. Alice Zou holds both DRE# 02036463 and NMLS# 2664031 and can explain conforming, jumbo, self-employed, DSCR and foreign-national options in Chinese and help you apply; the dual role is disclosed in writing and you may compare and choose any lender. Terms depend on lender approval.

官方/参考来源：Official sources: NMLS Consumer Access

简答：圣地亚哥的 Carmel Valley（92130）、Del Mar（92014）、Rancho Santa Fe（92067/92091）、La Jolla（92037）、4S Ranch / Del Sur（92127）、Rancho Peñasquitos（92129）、San Marcos（92078）、Vista（92084），以及周边的 Temecula 和 Murrieta。办公室位于 120 Birmingham Dr #225B, Cardiff, CA 92007。Short answer: San Diego’s Carmel Valley (92130), Del Mar (92014), Rancho Santa Fe (92067/92091), La Jolla (92037), 4S Ranch / Del Sur (92127), Rancho Peñasquitos (92129), San Marcos (92078), Vista (92084), plus nearby Temecula and Murrieta. Office: 120 Birmingham Dr #225B, Cardiff, CA 92007.

简答：初次咨询、买房预算估算和卖房估价都免费。经纪佣金可协商，并会在书面协议中写明；买方经纪的报酬可能由卖方、买方或双方协商支付。Short answer: the first consultation, budget estimate and seller valuation are free. Commissions are negotiable and written into the agreement; buyer-agent compensation may be paid by the seller, the buyer, or negotiated.