Northern / Central Valley - eXp Realty of California, Inc. CA DRE#01878277 Lenders

Xpert Home Lending

  • NameJosh Howard
  • LicenseNMLS: #1716585
  • Phone916-753-3517
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About

I am a local Sacramento mortgage broker and real estate agent. I live in Wilton with my wife and two boys, who attend Liberty Ranch High School and Arcohe Elementary School. I've been serving customers’ needs for over 20 years. I bring a project management approach with the desire to listen and provide customers like you with personalized attention. My intention is on making your home purchase experience remarkable, simplified, and communicative. Together we will find the right home that fits your needs.

About Derek Sandoval

Derek Sandoval is the Co-Founder of SC Real Estate, a Northern California real estate organization focused on delivering exceptional service, building long-term relationships, and helping clients create wealth through real estate. Since beginning his real estate career in 2009, Derek quickly established himself as one of the top-producing agents in the Keller Williams Northern California and Hawaii Region and has built a reputation as a trusted advisor, business leader, and industry coach.

Over the course of his career, Derek has personally closed well over 200 transactions and, as a top Team Leader for five Keller Williams offices, has overseen more than 10,000 transactions. His leadership experience includes driving sales growth, expansion, profitability, and agent development across multiple real estate organizations throughout Northern California.

Today, Derek works alongside his wife and business partner, Tess Costello, to lead SC Real Estate with a mission rooted in integrity, collaboration, and service. In addition to serving buyers, sellers, and investors, Derek specializes in guiding clients through complex life transitions including relocation, probate, and divorce-related real estate needs. He is also passionate about giving back through programs designed to support local heroes such as veterans, healthcare workers, and educators.

Beyond serving clients, Derek is deeply committed to developing the next generation of real estate professionals. As a coach and mentor, he leads agent training initiatives and business development programs designed to help agents build sustainable, relationship-driven businesses.

Known for his high standards, strategic mindset, and people-first approach, Derek believes success in real estate is built on trust, service, and the ability to help others achieve their goals.

Latest Blog Posts

Monthly Market Report - July 2026

📍 Sacramento CountyMarket SnapshotMedian Home Price: Approximately $500,000Market Pace: Homes are averaging about 18–40 days on market, depending on price point.Inventory: Significantly

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The Market Didn't Stop. It Shifted. Here's How Smart Buyers & Sellers Are Winning Right Now.

The Market Didn't Stop. It Shifted. Here's How Smart Buyers & Sellers Are Winning Right Now.If you've been following the headlines lately, you might think the real estate market has come to a

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The Wealth Gap Is Growing—And Homeownership Is a Big Reason Why

The Wealth Gap Is Growing—And Homeownership Is a Big Reason WhyFor years, we've heard the saying that real estate is one of the best ways to build wealth.The data continues to prove it.While

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