Just Listed
1428 Obsidian Ridge
Beverly Hills, CA
$8,450,000
bed5
shower6.5
Real Estate · DRE #01234567
Lending · NMLS #987654
Buy, Sell & Finance
Sophia A. Sterling is a rare dual practitioner — a Senior Real Estate Advisor with Century 21 Masters and a licensed Mortgage Loan Officer. One accountable expert from first showing to final wire, eliminating the friction between agent and lender.
$1.2B+
Closed Volume
640+
Loans Funded
18 yrs
Experience
Sophia A. Sterling
Advisor & Mortgage Consultant
Licensed, Affiliated & Accountable
CENTURY 21
Masters
R
REALTOR®
MLS®
Equal Housing
Opportunity
Opportunity
NMLS
#987654
LendingElite
Mortgage Partner
About the Advisor
One Professional.
Two Mandates.
For nearly two decades, Sophia has guided high-net-worth clients through the acquisition, sale, and financing of their most significant assets. Holding both a real estate license and a mortgage origination license means a single, accountable point of contact — strategy, negotiation, underwriting, and closing, fully aligned.
real_estate_agentReal Estate
Century 21 Masters
- check_circleDRE License #01234567
- check_circleCertified Luxury Home Marketing
- check_circleTop 1% Producing Advisor
account_balanceLending
LendingElite Mortgage
- check_circleNMLS License #987654
- check_circleConventional · Jumbo · Portfolio
- check_circleEqual Housing Lender
Closed Volume
0+
Loans Funded
List-to-Sold Price
0d
Avg. Close Time
real_estate_agentThe Real Estate Practice
Luxury Representation
key
Luxury Acquisition
Off-market access, private showings, and disciplined negotiation on prime estates — representing your interests exclusively as the buyer.
sell
Estate Listing & Marketing
Cinematic media, global syndication, and Century 21 Masters brand positioning to command the highest possible price for your property.
insights
Investment Advisory
Market analytics, 1031 exchange guidance, and portfolio positioning to grow generational real estate wealth.
Featured Listings
Curated high-value assets across prime markets.
The Pinnacle Penthouse
Downtown Metropolis
$4,200,000
bed3
shower3
In Escrow
77 Crestview Lane
Pacific Palisades, CA
$12,900,000
bed7
shower9
Proof of Transactions
Results, Not Promises
A verified record of closed transactions — many represented on both sides: negotiated by the advisor, financed by the loan officer.
SOLD
Hillcrest Modern
Bel Air, CA · 2026
$9.4M
Sale Price
102%
Of List
9d
On Market
Represented Seller
In-House Financed
SOLD
Palisades Glass House
Pacific Palisades, CA · 2025
$6.1M
Sale Price
99%
Of List
12d
On Market
Represented Buyer
Jumbo Loan
SOLD
Crestview Estate
Beverly Hills, CA · 2025
$12.9M
Sale Price
101%
Of List
7d
On Market
Dual Representation
Portfolio Loan
SOLD
The Marina Penthouse
Marina del Rey, CA · 2026
$3.8M
Sale Price
100%
Of List
18d
On Market
Represented Buyer
7/6 ARM
SOLD
Canyon Oaks Residence
Calabasas, CA · 2025
$5.5M
Sale Price
103%
Of List
5d
On Market
Represented Seller
In-House Financed
SOLD
Malibu Bluff Estate
Malibu, CA · 2026
$15.2M
Sale Price
98%
Of List
21d
On Market
Dual Representation
Jumbo Loan
Transaction data shown for illustration. Addresses anonymized for client privacy. Past performance is not a guarantee of future results.
account_balanceThe Lending Practice
Precision Financing
verified
Pre-Approval & Strategy
A fully underwritten pre-approval that makes your offer as strong as cash, paired with a personalized financing roadmap.
paid
Jumbo & Portfolio Loans
Specialized high-balance and bank-statement programs designed for entrepreneurs, executives, and complex income profiles.
cached
Refinance & Equity
Rate-and-term and cash-out strategies to lower payments or unlock capital for your next acquisition.
Today's Rate Sheet
Indicative rates · Updated June 16, 2026 · Subject to qualification.
| Program | Term | Rate | APR |
|---|---|---|---|
| Conventional Fixed | 30-Year | 5.875% | 6.012% |
| Conventional Fixed | 15-Year | 5.125% | 5.298% |
| Jumbo Fixed Signature | 30-Year | 6.250% | 6.341% |
| 7/6 ARM | Adjustable | 5.500% | 6.105% |
| FHA Fixed | 30-Year | 5.625% | 6.488% |
Rates shown are illustrative for a $750,000 loan, 760+ FICO, 25% down, owner-occupied. Your rate will vary. This is not a commitment to lend. NMLS #987654 · Equal Housing Lender.
Estimate Your Payment
Mortgage Calculator
A live projection of your principal & interest. For a precise, fully-underwritten figure, request a consultation.
$
%
%
Estimated Monthly Payment
$7,105
Principal & interest only. Excludes taxes, insurance & HOA.
Loan Amount$1,200,000
Down Payment$300,000
Total Interest (life of loan)$1,357,800
The Unified Process
One Advisor. One Timeline.
Acquisition and financing milestones, orchestrated end-to-end without the friction of separate agent and lender.
01
Get Pre-Approved
We underwrite your finances upfront so you shop with the leverage of a verified buyer.
Lending02
Find & Negotiate
We tour, evaluate, and craft a winning offer backed by your pre-approval — often off-market.
Real Estate03
Structure the Loan
With the property identified, we lock your rate and engineer the optimal financing structure.
Lending04
Close & Hand Keys
Contract and funding align under one roof for a seamless, on-time closing.
Real Estate + LendingClient Confidence
Trusted on Both Sides
starstarstarstarstar
"Having one person manage both the purchase and the jumbo loan removed every point of confusion. We closed our Beverly Hills home in eleven days."
Jonathan & Elise R.
Buyers · Beverly Hills
starstarstarstarstar
"Sophia structured a portfolio loan no other lender would touch, then negotiated $400k off the asking price. Truly two experts in one."
Dr. Priya N.
Investor · Pacific Palisades
starstarstarstarstar
"He sold our estate above ask and financed our next one simultaneously. The discretion and coordination were flawless."
The Calloway Family
Sellers & Buyers · Malibu
Private Consultation
Begin With Strategy
Whether you're acquiring, selling, or financing, start with a confidential strategy session. One advisor, both sides, zero friction.
Century 21 Masters · DRE #01234567
NMLS #987654