Premier Realty Group

What Premier Realty Group does

Premier Realty Group (DBA: PRG, PBRG, Premier Bancorp) is a privately-held, founder-led residential real estate brokerage and mortgage lender founded in 1994 by Mike and Robin Rafii and headquartered at 523 Encinitas Blvd., Suite 201, Encinitas, California (CA DRE #01861259). The firm operates a team of approximately six to eight licensed agents plus an Agent Assistant, serving homebuyers, sellers, investors, and distressed-property clients across 13+ San Diego County communities including Encinitas, Carlsbad, Rancho Santa Fe, Del Mar, La Jolla, Poway, Solana Beach, Oceanside, San Marcos, and Escondido. Its business model integrates residential brokerage commissions (buyer and seller representation), in-house loan origination (FHA, conventional, VA, jumbo, reverse mortgages, and credit-issue programs), short sale negotiation, and in-house escrow coordination — positioning it as a one-stop shop for San Diego residential real estate transactions.

The core technology platform is an IDX-integrated consumer website (premierbancorprealty.com) providing MLS property search, one-click neighborhood search for 20+ communities, foreclosure/auction search, home valuation, an interactive Market Snapshot report, a client login portal, and an embedded Zillow mortgage calculator. Distribution operates through three channels: direct agent-based field sales for in-person representation, inside/phone sales for pre-qualification and inquiries, and self-serve digital tools for top-of-funnel engagement. Marketing combines SEO-optimized property search, content marketing (Market Snapshot, RSS feeds), social media (Facebook, Twitter), open houses and agent previews, print advertising, and a professional referral network of legal, tax, and financial advisors. The firm also recruits independent agents via a 100% commission split 'True Comp' program without desk fees or franchise overhead.

Revenue mechanics are entirely transaction-fee based across the five streams (buyer commission, seller commission, loan origination, short sale negotiation, escrow) with no disclosed subscription, recurring, or enterprise pricing. Pricing is individually negotiated per transaction; the free Market Snapshot and home valuation tools function as lead-generation mechanisms rather than monetized products. The firm has no disclosed funding rounds, no parent company, no subsidiaries, no patents or trademarks, and no formal partnerships or alliances, consistent with a closely-held family-operated boutique brokerage model.

Name

Premier Realty Group

Legal name

Premier Realty Group

Website

https://premierbancorprealty.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Premier Realty Group is a privately-held, founder-led residential real estate brokerage and mortgage lender founded in 1994 in Encinitas, California, serving homebuyers, sellers, investors, and distressed-property clients across San Diego County through an integrated commission-based model.

Ownership category

akta.pro rank

Product category

Residential Real Estate Brokerage and Mortgage Lending

NAICS

Offices of Real Estate Agents and Brokers (5312), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163)

akta.pro primary industry

Residential Real Estate Brokerage (Buy/Sell) (FSAEAJAA)

akta.pro secondary industry

Notary & Signing Agent Services (Remote/Onsite) (BPAJAOAF)

Keywords

• Residential real estate brokerage
• Mortgage lending services
• Property buyer representation
• Home seller representation
• Short sale negotiation

Headquarters

HQ city

Encinitas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Real Estate Commission (Buyer Representation): Agents earn commissions on completed residential property purchases they facilitate. Commission rates are typically a percentage of the sale price, split between the listing and buyer agents.
2. Real Estate Commission (Seller Representation): Listing agents earn commissions on residential property sales. The company markets properties through professional brochures, open houses, advertising across newspapers, real estate periodicals, websites, and relocation agencies.
3. Mortgage / Loan Origination: In-house financing services generate loan origination fees through access to hundreds of loan options including FHA loans (3.5% down), conventional loans, VA loans for military veterans, reverse mortgages for seniors, and jumbo loans for luxury homes. Company has in-house notary public and coordinates with title companies.
4. Short Sale Negotiation Services: Specialized services assisting distressed homeowners in negotiating short sales with lenders. The company has established relationships with banks developed over years of working with distressed properties.
5. In-House Escrow Services: Company provides in-house escrow coordination services as part of its integrated transaction management, coordinating documents and financial transactions including county recording and fund wiring.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Premier Realty Group is an integrated residential real estate brokerage and mortgage lender operating in San Diego County. The company provides buyer and seller representation, mortgage loan origination (FHA, VA, conventional, jumbo, reverse), short sale and foreclosure negotiation services, in-house escrow coordination, and notary public services. It also offers digital tools including MLS/IDX property search, home valuation, and a free Market Snapshot report for consumers in San Diego County communities.

Product overview

Premier Realty Group operates as an integrated real estate services platform offering a unified suite of property buying, selling, and financing solutions. The core product portfolio centers on MLS-based property search tools (Search MLS Listings, One Click Neighborhood Search, Foreclosure Search) complemented by client management services (Client Login, Pre-Qualify, Market Snapshot). The platform also includes specialized buyer programs (First Time Buyers, Investment Properties, Foreclosure Purchase, Short Sale Purchase) and a comprehensive financing division offering FHA Loans, Luxury Home Financing, Credit Issue Resolution, VA Loans, and Reverse Mortgages. The selling services module provides market analysis, preparation guidance, marketing, negotiation, and closing support. Additionally, the company operates an agent career program for recruiting real estate professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• First Time Buyers Program Guided home buying program for first-time buyers covering property search, neighborhood research, loan shopping, offer negotiation, and closing support. Designed to help first-time buyers in San Diego County navigate the home purchase process from pre-purchase preparation through closing.
• Investment Properties Service Real estate investment consultation providing detailed research on profitable opportunities, short sale and foreclosure purchasing expertise, and access to hundreds of loan financing options for individual real estate investors in San Diego County.
• Foreclosure Purchase Service Expert assistance navigating bank-owned property purchases including offer preparation, bank negotiation, pre-qualification, and property valuation research for buyers interested in foreclosure and REO properties in San Diego County.
• Short Sale Purchase Service Short sale transaction support including offer packaging, bank negotiation, pre-qualification, and property valuation to minimize delays in the purchase process for buyers pursuing short sale opportunities in San Diego County.
• Home Selling Services Full-service home selling including market analysis, home preparation guidance, professional marketing (brochures, open houses, advertising), offer negotiation, closing coordination, and transition support for sellers in San Diego County.
• Short Sale Representation Short sale transaction support for sellers who owe more than their home is worth, with established bank relationships and guidance through the short sale process including lender negotiation.
• FHA Loans Federal Housing Administration loans with as little as 3.5% down payment, flexible credit requirements, no prepayment penalties, and allowance of gift funds for closing costs for eligible residential home buyers.
• VA Loans Department of Veterans Affairs home loans for eligible veterans and currently enlisted individuals featuring no down payment requirements and easier qualification standards for residential home purchases.
• Reverse Mortgages Home equity conversion mortgages for senior homeowners aged 62 and older that convert part of home equity into tax-free income without selling the home or taking on new monthly mortgage payments.
• Luxury Home Financing Higher balance loan programs and jumbo loan options for luxury home purchases, with access to various lenders and expanded conforming loan amounts for buyers in the luxury segment.
• Credit Issue Resolution Specialized loan programs for borrowers with credit challenges, including credit report correction assistance, score improvement strategies, and application packaging to help credit-challenged buyers obtain home financing.
• Agent Career Program Real estate agent recruitment program offering competitive commission splits (up to 100%), one-on-one mentoring, continuing education, IDX-enabled website, in-house transaction coordination, and E&O insurance for licensed real estate agents.

Quantifiable outcome

• Thousands of clients served since 1994
• +2 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Redfin: Tech-enabled residential brokerage and portal with active San Diego operations; competes both for buyer-seller relationships (via its consumer-facing platform) and for agent talent in the same San Diego County market.
• Coldwell Banker West: Major residential real estate franchise with deep San Diego County agent presence; comparable on residential brokerage core, but operates at franchise scale with national brand and lead-generation infrastructure.
• Compass: Large national tech-enabled residential brokerage with a significant San Diego presence; competes for the same agents and clients, with materially greater technology investment, brand recognition, and capital.
• eXp Realty: Cloud-based national residential brokerage with aggressive commission splits and a large agent base; competes for both clients and recruiting targets in San Diego County, and represents the highest-end of the high-split model Premier offers.
• Berkshire Hathaway HomeServices California Properties: Large regional franchise network serving Southern California including San Diego; comparable residential brokerage service offering with established brand and broad geographic reach that contrasts with Premier's single-County focus.
• HomeSmart Realty West: National residential brokerage known for 100% commission programs and franchise model; directly competes with Premier on the high-commission-split agent recruitment angle and serves overlapping residential segments.

Regional players

• Big Block Realty: Independent San Diego regional brokerage emphasizing agent commission splits and modern technology; closely comparable in scale, independent ownership, and Southern California residential focus.
• Pacific Sotheby's International Realty: Regional San Diego County luxury residential brokerage operating under the Sotheby's International Realty brand; directly comparable in geographic focus, residential brokerage core, and service breadth, but with significantly larger agent headcount and a luxury brand position.

Others

• Fairway Independent Mortgage Corporation: Large national mortgage lender/broker with a residential loan product range that overlaps Premier's FHA, VA, conventional, and reverse mortgage offerings; comparable on the loan origination leg but operates at national scale rather than as a San Diego-only broker.
• Mortgage Debtinator: Distressed homeowner advocacy service referenced as an integrated partner in Premier's offering; comparable on the short-sale/foreclosure advocacy niche but functions as an adjacent referral partner rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/Premier-Bancorp-Realty-Group/136080359793782
• Xx.com/premierbancorp

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Premier Realty Group