Long Beach · South Bay · LA & Orange County REALTOR®
I'm Memo Dinh. I help first-time buyers, sellers, investors and families handling trust or probate sales across Southern California. You get a clear strategy before we write a single offer or set a list price.
5.0Read what my clients say
About Memo
I grew up in Southern California, and I still work the same neighborhoods I know best: Long Beach, Gardena, the South Bay, and out through LA and Orange County.
Before real estate, I spent years in sales, operations and leadership. That background shows up in how I run a deal. Every client gets a written plan, a timeline, and straight answers about what things cost.
I've closed deals across LA and Orange County, from first condos to multi-million-dollar homes. As an Area Leader at Epique Realty, I also coach and mentor other agents, which keeps me sharp on contracts and negotiation.
Home search
Search active listings across LA and Orange County. See something you like? I can set up a private tour and pull the comps before you fall in love with the price.
Prefer the full search with saved searches and alerts? Open it here ↗
What I handle
Most agents do one thing. My clients often need two or three in the same year: sell one, buy another, settle an estate. I've done all of it.
We start with financing, then build a search and offer strategy around your real monthly number, not just the list price.
Learn more SellersPricing backed by comps, prep that pays for itself, and marketing that gets buyers through the door in week one.
Learn more InvestorsMulti-units, ADU potential and rental math laid out before you commit. I run the numbers with you, line by line.
Learn more EstatesCourt timelines, disclosures and family coordination handled with patience. You focus on the family. I handle the file.
Learn more BuildsBuilder contracts favor the builder. I negotiate incentives and review upgrades so you know what you're actually paying for.
Learn more MovesMoving into SoCal or buying for a business. I'll get you oriented fast and connect you with the right lenders and specialists.
Learn moreSellers · Free estimate
Enter your address and I'll pull real MLS closed sales within 1 mile from the last 6 months. If there aren't any, I widen it to 12 months. You'll get your estimate and the comparable sales, free, within 24 hours.
Your estimate
You'll get an estimated value and price range, the closed sales it's based on (address, price, size, price per sq ft, distance, sale date), and what's worth fixing before you list.
Sellers · Need to move quickly?
Inherited a property, relocating, behind on repairs, or just need certainty? I can bring you cash offers from investors and show them side by side with what a fast, as-is listing would likely net you. Then you pick.
Market pulse · updates automatically
Mortgage rates, prices and inventory for LA and Orange County, refreshed from official data. Each figure shows its source and date, plus the change from a year ago.
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More data: C.A.R. monthly sales & prices · Freddie Mac rates · FHFA home prices · FRED. Rates are national weekly averages; your rate depends on credit, loan type and down payment. Information deemed reliable but not guaranteed.
Buyer education
How you finance matters as much as what you buy. Here are the main loan types, the assistance programs California buyers ask me about most, and what to gather before you talk to a lender. Information current as of October 2026.
| Loan | Minimum down | Good fit for | Know this |
|---|---|---|---|
| Conventional | 3%HomeReady / Home Possible | Solid credit, buyers who want to drop mortgage insurance later | HomeReady requires income at or below 80% of area median. Private mortgage insurance can be canceled once you reach 20% equity. 2026 conforming limit is $832,750, up to $1,249,125 in high-cost counties. |
| FHA | 3.5%credit 580+ | First-time buyers, lower down payment, credit still rebuilding | Scores of 500–579 need 10% down. Below 500 isn't eligible. Mortgage insurance applies. Primary residence, 1–4 units. |
| VA | $0eligible veterans | Veterans, service members, eligible surviving spouses | No down payment if price doesn't exceed appraised value. No monthly mortgage insurance. One-time VA funding fee. Needs a Certificate of Eligibility. |
| USDA | $0eligible areas | Buyers in USDA-eligible rural areas | Household income up to 115% of area median. 30-year fixed only. Most of LA and Orange County isn't eligible, so check the address first. |
| Jumbo | Variesby lender | Purchases above the conforming limit | Loans over your county's conforming limit. Expect stronger credit, reserves and down payment requirements, set by each lender. |
Deferred-payment second loan: up to 3.5% of price with FHA, up to 3% with conventional. No payments until you sell, refinance or pay off the first loan.
A 0% junior loan for closing costs, paired with CalHFA's CalPLUS FHA or CalPLUS Conventional first mortgage.
Up to 20% of price, max $150,000, for down payment or closing costs. You repay the loan plus 20% of appreciation (15% if income is at or below 80% of area median).
Closing cost grant of up to $5,000 from C.A.R.'s Housing Affordability Fund. It's a grant, not a loan.
0%-interest deferred second loan for down payment and closing costs, from the LA County Development Authority.
LIPA and MIPA offer loans for down payment and closing costs for low- and moderate-income first-time buyers. The Mortgage Credit Certificate gives a federal tax credit of 20% of annual mortgage interest.
This is the standard packet the Consumer Financial Protection Bureau recommends. Your lender may ask for more.
Sources
Program rules, limits and funding change often and are set by each agency and lender. Memo Dinh is a REALTOR®, not a lender. Confirm eligibility with a licensed loan officer and the program administrator.
Keys handed over
The best part of the job. A few of the families I've had the privilege to get to the finish line.
Memo did an exceptional job negotiating our deal and he was very knowledgeable in navigating the process as we were first time homebuyers in LA county. He got exactly what we wanted during the contingency period. We are very happy with our purchase and would work with Memo again!
jrgoddar · Bought a townhouse · Redondo Beach · 2024Memorial was there for us every step of the way in searching for the right home for our family. He always answered every call or email no matter what time of day or night it was. His professionalism, knowledge, honesty, and hard work ethic are much respected and appreciated! We never felt like Memorial was just trying to sell us a house, but that he truly had our best interest at heart. Memorial took the time to find the specifics that were important to us such as location, room sizes, and of course the right price. Memorial went above and beyond in making sure we had the right people supporting us in the whole home purchasing process. We would and will highly recommend him to anyone that is searching or selling a home.
BuyersWe have bought two homes from Memorial, one in Woodland Hills and a second house in the South Bay. Memorial is very knowledgeable and extremely ambitious and fully involved in all aspects of the home purchase. He will get you your dream house. In the extremely expensive, difficult and most of all competitive market here in Los Angeles you really need a real estate agent that is willing to go above and beyond to find you a home that fits your needs and most of all gets your offer accepted. Memorial is that guy. I can’t recommend him enough.
Bought a single-family home · Woodland Hills · 2021Memorial is AMAZING! This is my 3rd time using him as my agent. I’ve used him on both ends, selling and buying. We used him to sell our home, and then had him help us to purchase another property. He’s now helping me again to buy another property. He makes me feel so comfortable with the process and is very knowledgeable and always keeps in touch. He’s a genuinely great guy and I’m so grateful to know him and have his help and guidance when it comes to buying/selling. He comes HIGHLY recommended!
Bought & sold a single-family home · Torrance · 2020Memo is wonderful agent who we now consider a friend. He not only got us our very first house, but is currently helping my little brother in buying one. If it wasn't for Memo I doubt we would be living in the home of our dreams.
First-time buyersVery courteous, listened to my concerns, very efficient. When I was ready to purchase the property we found on the market, Memo brought results faster than I expected. Every problem that popped up was addressed quickly. Very helpful!
BuyerThis week
Local events
Tree lightings, parades, farmers markets and more across Long Beach, the South Bay and Orange County. Every listing is checked against the city or organizer's own page.
Lewis Family Playhouse
A community ofrenda for Día de Muertos at the Lewis Family Playhouse.
Photo: Clint McKoy / Unsplash
Ontario City Hall, 303 East B Street
A free Halloween event with trick-or-treating, a Trunk-or-Treat, light refreshments and family fun.
Photo: Joanna Huang / UnsplashA Halloween-season Pumpkin Bash on the City of Canyon Lake's event calendar.
Photo: Joanna Huang / UnsplashRoosevelt-Walker Community Center, 816 E. Chestnut Ave., Santa Ana
A free City of Santa Ana gathering about Día de los Muertos traditions of remembering loved ones.
Photo: Clint McKoy / UnsplashCivic Center, 41000 Main St.
An annual family event with games, costume contests and trunk-or-treating with local first responders.
Photo: Joanna Huang / UnsplashRedondo Beach Pier, Fisherman's Wharf
A free Halloween evening on the Redondo Pier, weather permitting.
Photo: Joanna Huang / UnsplashCentral Park
A Halloween family festival at Central Park.
Photo: Joanna Huang / Unsplash
The Shoppes at Chino Hills, 13920 City Center Drive
Free candy, craft stations, a photo booth and games while supplies last.
Photo: Dannie Jing / UnsplashSea Country Senior & Community Center
Trick-or-treating for families at the Sea Country Senior & Community Center.
Photo: Clint McKoy / UnsplashSummerwind Park, 1000 Engleman Dr.
The City of Calimesa's annual Halloween trunk-or-treat at Summerwind Park.
Photo: Joanna Huang / UnsplashCarson Event Center, 801 E Carson St
The City of Carson's Halloween carnival at the Carson Event Center.
Photo: Joanna Huang / UnsplashBiscailuz, Bloomfield, Bolivar, Boyar, Del Valle, Mayfair, Palms and San Martin parks
Halloween carnivals at eight City parks, with haunted houses at three of them. Games are free; inflatables at Mayfair cost extra.
Photo: Joanna Huang / UnsplashRialto Civic Center
Free trick-or-treating, food vendors, costume contests and scare mazes at the Rialto Civic Center.
Photo: Joanna Huang / UnsplashRuben S. Ayala Park
The City of Chino's Halloween celebration at Ruben S. Ayala Park.
Photo: Joanna Huang / UnsplashMain Street, Downtown Huntington Beach
A Halloween afternoon on Main Street in downtown Huntington Beach, with vendors.
Photo: Joanna Huang / UnsplashFeldheym Central Library
Trick-or-treating at the Feldheym Central Library.
Photo: Clint McKoy / UnsplashBowers Museum, 2002 N. Main St., Santa Ana
A free family festival with live performances, art-making and face painting.
Photo: Dannie Jing / Unsplash
La Plaza Park, 34111 La Plaza
The 3rd Annual City of Dana Point's Dia de Los Muertos celebration with ofrendas, live bands, dancing, art, and food at La Plaza Park.
Photo: Victoria Shes / UnsplashA.K. Smiley Public Library
A Día de los Muertos celebration at the A.K. Smiley Public Library.
Photo: Clint McKoy / UnsplashSunnylands, 37977 Bob Hope Dr.
A five-day Día de los Muertos celebration at Sunnylands with decorated gardens, crafts and ofrendas.
Photo: Dannie Jing / UnsplashAtlantic Avenue between San Antonio & Bixby Road
A monthly evening street event along Atlantic Avenue in Bixby Knolls. It is listed on the City's special events calendar.
Photo: Clint McKoy / UnsplashNothing coming up for this city on my list yet. See the full calendar for more.
Dates and details come from official city and organizer pages and can change, so please confirm before you go. Photos are representative Unsplash images of this type of event, not photos of these events.
Service areas
Based in Gardena, Memo Dinh is a REALTOR® with Epique Realty helping clients buy, sell and invest in Long Beach, Torrance, Carson, Redondo Beach and across the South Bay, Los Angeles County and Orange County, including first-time buyers, luxury and move-up homes, 2–4 unit investments, and trust and probate sales.
For agents
If you're a licensed agent wondering whether your brokerage still fits, let's compare. I'll walk you through Epique's model and run your real numbers with you. No pressure, just a straight answer on whether it makes sense.
Agent questions: memo@epique.me · 562-253-9034
Questions
Memo works with buyers, sellers and investors across Long Beach, Gardena, Torrance, Carson, Redondo Beach, Hawthorne, Lakewood and the rest of the South Bay, plus Los Angeles County and Orange County.
Use the home value form on this page. Memo reviews closed sales within 1 mile of your home from the last 6 months (12 months if there aren't enough), adjusts for condition and upgrades, and sends you a price range and estimated net.
Yes. Memo can bring you a cash offer and also show you what an as-is listing would likely net, side by side, so you can choose based on real numbers instead of a guess.
Often, yes. FHA loans can start at 3.5% down, some conventional loans at 3%, VA loans can be $0 down for eligible veterans, and California programs like CalHFA offer down payment assistance. Rules, funding and approved lenders change, so ask before you choose a lender.
Yes. Memo helps executors, trustees and families with inherited, trust and probate properties, including timelines, court or trust requirements, prep and pricing. He works alongside your attorney; it's not legal advice.
You'll sign a written buyer representation agreement before touring homes that spells out the services and compensation. Compensation is negotiable, and in many deals the seller pays some or all of it. Memo walks you through it on your first call.
Let's talk
Tell me what you're trying to do and when. I'll tell you what it takes, what it costs, and the smartest first step. No pressure, no script.
Memo's market updates
Local prices, rates and what's actually selling in your city. Short, useful, no spam.