Cardiff by the Sea Real Estate

Dr. Ralph O. Muncaster, SFR, MBA, PHDE, PHD, Realtor®

Personal Focus on client needs-characterizes Dr. Ralph O. Muncaster's approach to real estate. At the outset of any project he gets to know the client first-the goals, capabilities and deepest desires-so he can do whatever is necessary to turn dreams into reality.

Special Skills-provide Ralph an enormous advantage in real estate. He has broad real estate credentials, is a full broker and is a leader in one of the most powerful Keller Williams teams in San Diego with extensive support resources. Also, he has two Ph.D.'s (business and education), an MBA in finance, and has been a university marketing professor. Finally, a background in architectural engineering and fine arts (he owns the world's largest figurative sculpture school with his wife) provide truly unique insight in evaluating and marketing real estate-especially luxury homes.

Superior Negotiation-is one of Ralph's trademarks. In addition to years as a real estate broker, he has twenty years of negotiation experience as a top management Fortune 500 executive. Whether a buyer or seller; having a seasoned negotiator working for you is an advantage.

If you are ready to purchase a new home and want a private consultation, or are interested in selling your existing home, please call Ralph today at:
760-331-8804 or e-mail at: RomPhd@mail.com.

Testimonials

LENDING

David Stapleton and Ana-Maria Contis, Senior Loan Consultants

Professional-27 years combined in professional lending experience supported with specialized education. BSBA in Business Administration. Master Certified Loan Officers. Licensed DRE.

Friendly-Dave and Ana-Maria believe financing should be a comfortable, enjoyable part of the home purchase experience.

Responsive-Pre approval letters can usually be obtained in an hour or two. The client truly comes first.

760-438-2625
david.stapleton@prospectmtg.com

INSURANCE

Joe Restivo, Licensed Insurance Broker

ALL Programs-Joe has 21 years experience representing virtually all insurance products, companies and plans-homeowners, auto, mortgage life, health, etc. Computerized comparison analysis assures the best.

Unbiased Integrity-Working with all major companies; Joe can offer the best alternatives.

Pro-Active-Joe is pro-active in monitoring his clients programs; and calls clients regularly when prices and terms change if there is a better alternative.

760-471-9337
joelife2004@yahoo.com


Moving & Storage

Bernardo Moving & Storage
David & Karen Price, Proprietors

Family Owned-for 41 years this family owned business has moved households locally or across the nation. It treats people just like family-- using loving care for those special, treasured items.

Easy 5-Step Process-highly professional and organized. The methodical process ensures that moves are quick, and thorough.

Official Mover of Steinway & Sons-generally regarded as the finest pianos in the world, Steinway & Sons selected Wheaton Worldwide/Bernardo as its official mover.

www.bernardomoving.com