The Dawn Thomas Team is a specialized group of client-service focused professionals whose skills contribute to the overall real estate experience for our clients in the Silicon Valley. Dawn and The Team are available to answer your questions about market areas, statistics, financing options, and all things related to your upcoming real estate transaction. Dawn and members of The Team belong to many industry news and mentoring groups who correspond daily—enabling them to be on the cutting edge of news in real estate and technology relating to your home buying and selling experience.

Client Care for The Dawn Thomas Team

Erin Diaz, Executive Assistant and Client Care Manager

Erin is the Executive Assistant and Client Care Manager for The Dawn Thomas Team. She has over 12 years experience in the real estate and mortgage business. Born and raised on the Peninsula, she has watched the housing market flourish. She is familiar with the different communities and all that Silicon Valley has to offer. She can help assist a transaction in every aspect. She is highly knowledgeable about current policies and procedures and is willing to go above and beyond to ensure all clients have the best experience possible.

Erin loves to be a vital part in helping to make both home buyers and home sellers dreams a reality.

650-701-7822 Direct
650-716-6730 Mobile


Nikki James, Personal Finance and Mortgage Advisor

As a Personal Finance and Mortgage Advisor, Nikki helps her clients make the best financial decisions to accomplish their financial dreams and ambitions, inclusive of their real estate, mortgages, investments and other assets. Nikki has more than 25 years of experience in real estate and real estate finance. Nikki’s approach to understanding her client’s entire financial life enables her to tailor financing solutions that help clients own or build their dream homes. The personalized care and attention she provides has resulted in her consistently being recognized in the top 1% of mortgage loan professionals nationwide.

Prior to Opes Advisors, Nikki was a Private Mortgage Banker at Wells Fargo and a Branch Manager for a Fortune 500 mortgage company where she worked for more than 10 years.
Nikki is a registered Series 65 Investment Advisor Representative, licensed California Real Estate Agent/Mortgage Loan Originator, and a Personal Financial Advisor at Opes.

Nikki emigrated from England in 1987 and lives in Menlo Park with her family.

Opes Advisors, Inc.
Ph: 650.322-0303
2875 El Camino Real
Palo Alto, CA 94306
NMLS 293138

Mike Aning, Recommended Mortgage Planner

A Silicon Valley native, in 2001, Mosaic co-founder Mike Aning found himself a Dot Com casualty. His 12-years experience in Project Management made the transition to Loan Management seamless and within a year, Mike was Top Producer at his firm. Soon after, Mike partnered with Dave Setti, founding Mosaic Mortgage Group. In addition to being a Certified Mortgage Specialist, Mike also holds his California Real Estate Broker’s license. Mike’s principal focus is to remain on the cutting edge of the finance industry, advising his clients in an ethically responsible manner and providing consummate customer service.

Mike lives in San Jose with his wife and children, and, having grown up playing soccer, eagerly anticipates watching the World Cup (and goes into withdrawals during the interim 4 year hiatus between playoffs). A connoisseur and avid collector of top shelf tequila, he currently is working to expand his ‘small’ 40 bottle tequila collection.

Mosaic Mortgage Group
Ph: 408.377.8876 x201
2542 S. Bascom Avenue
Suite 190
Campbell, CA 95008
NMLS 225911 / BRE 01318111
Equal Housing Opportunity
A division of American Pacific Mortgage Corporation. NMLS 1850 / CA BRE 01215943

Rob McCarthy, Senior Mortgage Planner

Rob McCarthy has been providing residential and commercial financing to clients over the last 2 decades. In that time he closed over 1 billion dollars in loan volume
and closed over 3000 purchase and refinance loans. New and past clients keep coming to Rob for his lender selection (over 45 now), his preferred lending relationships resulting in the lowest rates and fees and for his expertise and out of the box thinking keeping in mind the clients long and short term financial goals.

101 Loan, Inc.
408-377-4123 Direct
NMLS #121019
CA DRE # 01165697

Renee Stephens, Sr. Loan Coordinator
408-558-6605 Direct
408-608-1921 Fax
NMLS #326829

Danny S. Kim, Wells Fargo Private Mortgage Banker

Danny S. Kim is a Private Mortgage Banker with over 15 years lending experience. Since joining Wells Fargo Private Mortgage Banking, Danny has achieved designation as a Leader’s Club member and continues his strong focus on the client experience.

For more information, please visit his website.

Danny S. Kim, Well Fargo Private Mortgage Banking
Private Mortgage Banker

Wells Fargo Home Mortgage | 301 University Ave | Palo Alto, CA 94301
Tel 650-752-0450 | Cell 650-642-4455 | Fax 866-754-5706
NMLSR ID 241129

1031 Exchange

Ron Ricard, Certified Exchange Specialist®

1031 Exchange – Investment Property Exchange Services (IPX 1031)
Ron is designated as a Certified Exchange Specialist®,one of fewer than 160 people nationwide who has earned that certification, as accredited by the Federation of Exchange Accommodators. He has taught 1031 tax exchange accredited courses to over 10,000 investors, real estate agents and lenders over the past ten years. Ron is a frequent guest on local radio and television real estate shows and is a guest lecturer at the College of San Mateo, Foothill and Chabot Colleges. He served a 3 year term on the Board of Directors of the Santa Clara County Association of Realtors and is very active in the real estate community.

Investment Property Exchange Services is the nation’s largest qualified intermediary. Owned by Fidelity National Financial (NYSE: FNF), IPX1031 ensures the security of your exchange funds with $100 million in fidelity bonding, $30 million in errors and omissions and $50 million in corporate guarantees. National company, local presence, responsive service, unparalleled expertise and security for all your exchange needs.

(408) 483-1031
(877) 747-7875 Toll Free


Laura Peterson, Agent

Laura Peterson is a local State Farm Insurance Agent in Los Gatos. Laura has been with State Farm since 2001, and opened her Agency in Los Gatos in 2006. Laura and her team serve Bay area homeowners as they purchase their first home, a rental property, move up, or move down. Call today to receive honest and professional advice about your auto, homeowners, and liability insurance needs. Laura and her team will help you customize a consolidated plan that protects your family’s health, wealth, and well being through all of life’s stages.

State Farm Insurance- Los Gatos
408-395-2900 Office
408-348-3318 Direct
408-395-2955 Fax

Randy H. Chang, Agent

Randy Chang is a second generation State Farm Agent and has specialized in being a professional partner throughout the home escrow closing process. With experiences in real estate and commercial loans, he has the ability to seamlessly work with Loan Officer, Realtors, and Escrow Officers. State Farm is the most reputable, financially stable insurance provider in the market. Randy takes the time to carefully explain to you the reasons why you are purchasing a policy, what comes with each coverage, finding a customized plan for your needs, and being that Good Neighbor when you need it most. Contact Randy today to receive a complementary risk analysis for all your family’s needs.

State Farm Insurance- Mountain View
650-919-8880 Office
408-431-3277 Direct

Title and Escrow

Dawn McCahan, Senior Escrow Officer

Dawn McCahan has been in the escrow and title business since 1987. She is a Senior Escrow Officer and Branch Manager for Chicago Title Company. She is highly knowledgeable and deals with many different types of transactions. She has experienced various market trends over the past 23 years in the industry and can handle just about anything that comes her way. Dawn takes pride in handling every transaction with care and her number one commitment is to provide phenomenal customer service to each and every client.

Chicago Title Company