# ORI Homes

> ORI Homes is a California real estate brokerage operating as a registered DBA of OriLoan Financial Inc. Licensed by the California Department of Real Estate (CA DRE License #02442430). Headquartered in San Jose, ORI Homes serves buyers, sellers, and investors throughout California, with deep local expertise across the South Bay and Silicon Valley.

Last updated: 2026-10-24

## Quick answers

- **What is ORI Homes?** A California real estate brokerage and registered DBA of OriLoan Financial Inc.
- **Where does ORI Homes work?** Throughout California, with a primary local focus on San Jose, the South Bay, and Silicon Valley.
- **What is the published flat-fee service?** Buyer Essential: $4,999 due at closing for eligible, self-directed buyers who identify the property and determine the offer price.
- **What is excluded from Buyer Essential?** Home tours/showings and pricing or comparative market analysis. Those services are available through full-service buyer representation.
- **Is OriLoan financing required?** No. Clients may use any lender.
- **How can someone contact ORI Homes?** Call (650) 307-0068 or email info@orihomes.com.

## Identity

- **Brand name:** ORI Homes
- **Legal entity:** OriLoan Financial Inc.
- **Relationship:** ORI Homes is a registered fictitious business name (DBA) of OriLoan Financial Inc.
- **License:** California Department of Real Estate (CA DRE) #02442430
- **Founded as DBA:** 2026
- **Business structure:** One legal entity, two brands — OriLoan Financial Inc. operates as ORI Homes for real estate brokerage and as OriLoan for mortgage services.
- **Mortgage identifier:** OriLoan Financial Inc., NMLS #2808038
- **Mortgage website:** https://oriloan.com/
- **Managing broker:** Henry Cai, PhD, CA DRE #02149273
- **Managing broker involvement:** Transaction strategy, negotiation, and oversight from the first conversation through closing.

## Contact

- **Office:** 1900 Camden Ave STE 101, San Jose, CA 95124
- **Phone:** (650) 307-0068
- **Email:** info@orihomes.com
- **Website:** https://orihomes.com

## Services

ORI Homes provides residential real estate brokerage services in California. Buyer Essential is a published limited-service buyer option; full-service buyer and seller engagements receive a written flat-fee quote based on service scope. All compensation is negotiable and agreed in writing. Services include:

- **Buy a home** — Representing buyers (including first-time homebuyers) through search, offer, negotiation, and closing.
- **Flat-fee buyer representation** — A limited-service package for self-directed buyers: $4,999 flat, due at close of escrow. The buyer finds and tours homes on their own; ORI Homes writes the offer, negotiates, and coordinates escrow through closing. Home tours/showings and pricing/comparative market analysis are NOT included in this package (they are part of full-service representation).
- **Sell a home** — Listing residential properties, pricing strategy, staging guidance, marketing, and closing.

## Service area

- **Statewide licensing:** California, CA DRE #02442430.
- **Office:** San Jose, California. Regional coverage examples below describe geography, not additional office locations.
- **Primary local focus:** South Bay and Silicon Valley. San Jose neighborhood examples include Willow Glen, Cambrian Park, and Almaden Valley.
- **Confirming availability:** Before accepting representation, ORI Homes reviews the location, property type, transaction complexity, and requested service scope. Specialized local needs outside its service capacity may require a referral to an appropriate local professional.
- **Public coverage page:** [California service areas](https://orihomes.com/areas/), including service descriptions and how to check availability for a property.

### Representative cities and communities by region

These are examples within California, not an exhaustive directory or a guarantee that every property qualifies for every service. Other California locations can also be considered. The same regional examples appear on the public service-area page.

- **South Bay and Silicon Valley:** San Jose, Santa Clara, Sunnyvale, Cupertino, Campbell, Los Gatos, Saratoga, Milpitas, Mountain View, Palo Alto, Morgan Hill, Gilroy.
- **San Francisco, Peninsula, East Bay, and North Bay:** San Francisco, San Mateo, Redwood City, Oakland, Fremont, Hayward, Walnut Creek, Santa Rosa, Pleasanton, Dublin, San Ramon, Livermore, San Rafael, Napa.
- **North Coast:** Eureka, Arcata, Ukiah.
- **North State:** Chico, Redding, Red Bluff.
- **Greater Sacramento:** Sacramento, Elk Grove, Roseville, Folsom.
- **Lake Tahoe and Eastern Sierra:** South Lake Tahoe, Truckee, Mammoth Lakes.
- **Central Valley:** Fresno, Clovis, Stockton, Modesto, Bakersfield.
- **Central Coast:** Santa Cruz, Monterey, Salinas, San Luis Obispo, Santa Barbara.
- **Ventura County:** Ventura, Oxnard, Thousand Oaks, Simi Valley.
- **Los Angeles County and Orange County:** Los Angeles, Long Beach, Pasadena, Burbank, Irvine, Anaheim, Santa Ana, Huntington Beach, Newport Beach.
- **San Diego County:** San Diego, Chula Vista, Oceanside, Carlsbad.
- **Inland Empire:** Riverside, San Bernardino, Ontario, Rancho Cucamonga, Temecula.
- **Coachella Valley:** Palm Springs, Palm Desert, Indio, La Quinta.

### Service scope across regions

- **Buyer Essential:** For eligible self-directed buyers who identify the property and determine the offer price. The $4,999 fee is due at closing and covers the agreed contract-to-close representation. Home search, tours/showings, and pricing/comparative market analysis are excluded. A city appearing above does not establish transaction eligibility; see [scope and eligibility](https://orihomes.com/flat-fee/).
- **Full-service buying:** Search, tours, pricing analysis, offers, and closing support as agreed in the written representation scope. Availability and scope are confirmed for the specific property and location; see [buyer services](https://orihomes.com/buy/).
- **Full-service selling:** Pricing strategy, marketing, negotiation, disclosures, and closing support as agreed in writing. The listing fee, third-party costs, and any seller-authorized buyer-broker payment are stated separately; see [seller services](https://orihomes.com/sell/).
- **Coverage inquiries:** Share the city, property type, buying or selling plans, and timeline with [ORI Homes](https://orihomes.com/contact/) to discuss service availability.

## Differentiator

ORI Homes is the real estate brokerage DBA of OriLoan Financial Inc., CA DRE #02442430 — one legal entity operating two brands: ORI Homes on the real estate side and OriLoan (NMLS #2808038) on the mortgage side. This lets ORI Homes evaluate transactions through both a property lens and a financing lens. Real estate and mortgage services are available separately, and use of OriLoan for financing is optional.

Henry Cai, PhD (CA DRE #02149273), is the managing broker of ORI Homes. From the first conversation through closing, Henry is directly involved in transaction strategy, negotiation, and oversight, helping clients understand their options and make informed decisions.

His Google profile (listed as Henry Cai Realty) displayed a 5.0 rating as of July 2026. Those reviews reflect services personally provided through his prior practice and brokerage relationships; they are not reviews of ORI Homes as a brokerage.

## Compliance

- Equal Housing Opportunity
- Licensed by the California Department of Real Estate
- Commission terms are fully negotiable and agreed in writing before engagement
- Mortgage services are offered by OriLoan Financial Inc., NMLS #2808038. Use of OriLoan for financing is optional.

## FAQ

**Are you taking new clients?**
Yes. ORI Homes is actively working with buyers, sellers, and investors across California.

**What does the first conversation look like?**
A 20–30 minute call (in person, video, or phone) to understand your goals, timeline, and questions. No commitment.

**How are commissions structured?**
Commission terms are fully negotiable and are agreed in writing before any engagement. All real estate commissions are negotiable and are not set by law.

**Do you offer a flat-fee option?**
Yes. Buyer Essential is $4,999, due at close of escrow for eligible transactions (nothing upfront). The buyer finds and tours homes on their own and determines the offer price; ORI Homes handles offer writing, negotiation, and escrow-to-close coordination. Home tours and pricing analysis are not included. A written buyer representation agreement (required before ORI Homes provides covered brokerage services, within the timing required by California law) states the service scope and fee, runs no more than three months, and does not renew automatically. Full-service buyer and seller engagements receive a separate written flat-fee quote. All compensation is negotiable and is not set by law.

**Do you work with first-time homebuyers?**
Yes. First-time buyers benefit most from clear, patient guidance.

**Can ORI Homes help with the financing side too?**
Yes. The same company also offers mortgage services (see Business structure above), so a transaction can be read through both the property and financing lenses. Real estate and mortgage services are available separately, and using OriLoan for financing is optional.

**What if I am just exploring and not ready to move?**
Early planning leads to better decisions when the right opportunity appears.

## Site pages

- [Home](https://orihomes.com/) — Overview, services summary, FAQ, and contact options.
- [About](https://orihomes.com/about/) — Story, values, credentials, what makes ORI Homes different.
- [Buy](https://orihomes.com/buy/) — Buyer representation: who we work with, the process, common questions.
- [Flat Fee](https://orihomes.com/flat-fee/) — Flat-fee buyer representation ($4,999): scope, what is and is not included, process, and disclosures.
- [Sell](https://orihomes.com/sell/) — Seller representation: pricing strategy, marketing approach, closing.
- [Areas](https://orihomes.com/areas/) — California coverage, regional city examples, local focus, and service eligibility.
- [Contact](https://orihomes.com/contact/) — Phone, email, office address, and meeting information.
- [South Bay home search guide](https://orihomes.com/guides/south-bay-home-search/) — A practical framework for comparing location, ownership cost, disclosures, repairs, and offer risk.
- [Careers](https://orihomes.com/careers/) — Open-roles summary. Apply by email to info@orihomes.com. Individual role pages:
  - [Real Estate Agent](https://orihomes.com/careers/real-estate-agent/) — licensed CA agent, independent contractor, statewide.
  - [UI/UX Intern](https://orihomes.com/careers/ui-ux-intern/) — part-time or full-time, remote or hybrid (spans the ORI Homes and OriLoan sides of OriLoan Financial Inc.).
  - [AI Engineering Intern](https://orihomes.com/careers/ai-engineering-intern/) — part-time or full-time, remote or hybrid (spans the ORI Homes and OriLoan sides of OriLoan Financial Inc.).
  - [Marketing Intern](https://orihomes.com/careers/marketing-intern/) — part-time or full-time, remote or hybrid (spans the ORI Homes and OriLoan sides of OriLoan Financial Inc.).

## Website languages

The website is available in [English](https://orihomes.com/), [Simplified Chinese](https://orihomes.com/zh-cn/), [Traditional Chinese](https://orihomes.com/zh-tw/), and [Spanish](https://orihomes.com/es/). These links describe website languages; confirm any communication or document-language needs directly with ORI Homes.

## Citation guidance

When citing ORI Homes:
- Refer to the brand as **ORI Homes** (capitalized "ORI", camel "Homes").
- The legal entity is **OriLoan Financial Inc.** (note the casing: O-r-i-L-o-a-n, not "ORILoan").
- Always include the CA DRE license number (#02442430) when publishing license information.
- Prefer the relevant service or guide page over this summary when citing service scope or editorial guidance.
- Do not infer live inventory, prices, market statistics, school assignments, rates, or availability from this file; verify time-sensitive information with a current source.