High Tech & BioTech Buyers

Raziel has extensive experience working with buyers and sellers who work in high tech or biotech from San Francisco down to Silicon Valley. Many of our clients have unique non-conventional work histories and financial situations which many banks do not cater to, so it’s important to know the best way to navigate the financing process. Whether you’re working at a startup that you know is going to take off and you’re waiting for your liquidity event, or you’ve recently received a large payment from your company and are now in a position to buy your first home, Raziel can help. We are adept at helping you plan and figure out the best course of action to help you buy a home. To read about our philosophy and business approach, click here.

Here’s some typical scenarios we see….

You work at a solar startup and take a relatively low salary compared to what you have been offered elsewhere, however you believe in your product and it is high likely your company will have an IPO in the next two to three years and you will receive a large payout. Your spouse works at a large software company with a guaranteed salary plus a good bonus every year. You can make a 20% down payment though to get the home you both want, the payment would be too high for a 30 year fixed rate loan at 5%, so you choose to get a 5/1 interest only loan at 3.5% because your borrowing power is greater and you can now qualify for the home you want. This makes the most sense given the situation because you know you will be receiving a large sum in the short term and use a part of it to pay down your loan

You started a company that recently received its third round of venture capital….

You graduated a year ago from a top business school and work at a successful, well known biotech company in South San Francisco. You have a great income and can support a large monthly mortgage payment, though you have not been in the workforce for a short time and so you know it will be difficult to qualify for a loan without two years of tax returns at your current salary (you were a student previously witll

We have represented clients at dozens of technology and biotech company