Chris Ristau
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Hello, my name is Chris Ristau. Buying, selling or financing your home is a major decision. For more information view our website at www.e3realty.com.
Corporate DRE #: 02073759
Corporate NMLS #: 1770437
DRE #01860548
NMLS #366810
Whats happening in the mortgage market today?
Chris Ristau
DRE # 01860548 | NMLS # 366810
REALTOR® | Loan Officer
E3 Realty DRE # 02073759 | E3 NMLS # 1770437
12/24/2025
Full circle moment. 🔄
I am incredibly excited to announce that I am officially joining the TF coaching team! Tom Ferry
My journey from solo agent to Team Leader to owner of E3 Realty was made possible by this ecosystem. Now, I’m honored to give back to the community that helped me build my business.
I’m a firm believer in never settling. I’m ready to sharpen my own skills, push for new heights, and help you do the same. Let’s get to work! 🚀
Huge shootout to our brother Aaron Cuha for all the help throughout our journey!
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
08/27/2025
The Tom Ferry Ecosystem has changed my life from being a solo agent to a team leader, broker to owner. & have been able to help us scale our brokerage to new heights!
But most importantly thank you to our amazing ops team for helping us bring the vision to life and our agents for believing in us.
They may of put my face on the graph but this award is for all of your hard work!
💰 Why Your Asking Price Matters More Than Ever in 2025 🏡
1 in 5 sellers are dropping their price—and overpriced homes are sitting longer, costing sellers thousands. Buyers today want either turnkey perfection or a deal—and they can spot overpriced listings instantly.
Price it right from day one, and you can skip the price cuts, shorten days on market, and keep more money in your pocket.
💬 DM me for a pricing strategy that gets you sold fast and for top dollar.
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
08/22/2025
⭐ "Chris made selling our home a breeze—expertise, clear communication, and true care for clients!" – Brian
💬 Selling? Let’s make it easy and profitable.
🔑 Chris Ristau
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
💡 Down Payment Myths—Busted! 🏡
❌ You don’t need 20% down (that only removes mortgage insurance)
✅ First-time buyers’ median down payment is just 9%—many buy with 3–5% down
📊 80% qualify for down payment assistance, but only 13% use it—average benefit: $17K
Know your options before you rule yourself out of homeownership.
💬 DM me “Down Payment” and I’ll break down every option available to you.
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
08/15/2025
⭐ "Very professional and a great experience! Highly recommend for buying or selling." – Sharon
💬 Let’s get your home goals achieved with ease.
🔑 Chris Ristau
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
☀️ 3 Reasons to Buy This Summer 🏡
1️⃣ More choices—inventory’s up!
2️⃣ Better deals—seller credits, discounts & price cuts 💰
3️⃣ More negotiating power—repairs, credits, and terms are all on the table
It’s not a buyer’s market—it’s a normal market, and that’s a win for smart buyers.
💬 DM me and let’s find your summer deal.
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
🚚 Why People Are Really Moving in 2025 🏡
According to Realtor.com, the top reasons are:
1️⃣ Different community
2️⃣ Make a profit 💰
3️⃣ Need more space
4️⃣ Downsizing
5️⃣ Strong buyer interest
6️⃣ Move closer to family ❤️ (which I see even more often than they claim!)
Bottom line—whether it’s for lifestyle, family, or financial gain, there’s always a why.
💬 DM me your “why” and let’s see how to make your next move happen.
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
❤️ The Real Reasons People Are Buying Homes in 2025 🏡
It’s not just about building wealth—though equity and principal paydown are big perks. More buyers are choosing homes for lifestyle:
✅ Closer to family
✅ Better school districts
✅ Putting down roots in a community they love
Sometimes the emotional ROI matters more than the financial one.
💬 DM me your “why” and let’s find a home that fits it perfectly.
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
08/09/2025
⭐ "Professional, knowledgeable, and made my transaction smooth from start to finish!" – Janet
💬 Ready for a stress-free buying or selling experience? Let’s talk.
🔑 Chris Ristau
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
📊 2025 Housing Forecast (July–Dec): Here’s What’s Coming!
✅ Mortgage rates: Low 6s possible, high 5s if we’re lucky
✅ Inventory: Growing—more choices, more negotiation power 🏡
✅ Home price growth: Slowing to ~2.3%, but still up 📈
Buyers, this is your moment to make a smart move before competition heats up again!
💬 DM me for a custom game plan based on these trends!
REALTOR® | Loan Officer
DRE # 01860548 | NMLS # 366810
E3 DRE # 02073759 | E3 NMLS # 1770437
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About us
E3 Realty & Loans is an all-encompassing Real Estate & Finance Firm with 20 years of combined Real Estate, Finance and Marketing Expertise. Our team consists of the most Empowered professionals in the industry who Elevate the lives of their clients by providing unparalleled knowledge and strategy no one else can deliver and are determined to Enrich local communities through giving back a percentage of each transaction.This is our mission. Empower. Elevate. Enrich. Bio: Chris Ristau is a Bay Area native, who above all, is a husband to Irma and father of Alexandra and Adrian. Second, he is a REALTOR® and Loan officer. With an extensive background in sales and business management, he brings strong and effective negotiation skills to the table. He is our company “bulldog.” That being said, the values he holds closest to him are honesty and integrity. He has a caring nature, loves to have fun and is known for building friendships with his clients. Professional Background: Chris worked for Sleep Train for ten years, running their highest grossing store in the country, producing an annual sales volume of $6.7M. He earned that position by leading his team to break numerous records while truly caring about helping people perfect their sleep. With a genuine care for both customers and employees, Chris was head of the Bay Area Employee Stock Ownership Program. Role at E3: Founder, REALTOR®, Loan Officer. Chris thoroughly understands how rapidly technology is changing and strives to position our clients and company to be ahead of the game. He stays current on the tools available to our clients and our agents ensuring the best possible experience for both. Future Goals: Chris will one day write a book about his life. It will say that he never got a high school diploma or college degree but chose the path of success! It will be a story that proves hard work combined with giving back and helping others will always lead to victory.
Corporate DRE #: 02073759
Corporate NMLS #: 1770437
DRE #01860548
NMLS #366810
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Website
Address
2157 Country Hill Drive Suite 206
Oakley, CA
94561
Opening Hours
| Monday | 8am - 8pm |
| Tuesday | 8am - 8pm |
| Wednesday | 8am - 8pm |
| Thursday | 8am - 8pm |
| Friday | 8am - 8pm |
| Saturday | 8am - 8pm |
| Sunday | 8am - 8pm |