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Mikki Cardoza

Mikki Cardoza

Associate Broker

Get to Know Me

After a teaching career and receiving my Administrative Credentials from Cal Poly Humboldt, I began my Real Estate journey in 2001. Earning my Broker's license in 2007, opening MikkiMoves Real Estate in 2012. After growing this boutique community oriented company, I merged my offices located in Humboldt and Sonoma Counties with Corcoran Icon Properties in 2020, where I now get to do my passions of teaching Real Estate Courses, helping clients with buying, selling, investing, and building their Real Estate Portfolios, and better serving our clients with my Momentum Team. In my spare time, I enjoy spending time with my amazing husband Art, my adult children, my 7 grand-babies, my 2 Doodle dogs, clients, and friends. I love to explore our local hiking trails, wineries, and beaches and I love to cook! As your passionate trusted real estate advisor, I am here to help in all things Real Estate, no matter where you are in the world!

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How much is your home worth?

Even if you're not ready to sell, finding out what your home is worth can help you make plans for the future.

Client Testimonials

Leslie B.

Buyer

Cecille L.

Buyer and Seller

Madonna B.

Buyer
Mikki did an outstanding job working with our family to find a house we both liked and could afford. She was patient and responsive as we visited many fixers. Mikki is willing to use her local knowledge to find homes premarket or even off market. In this competitive market her negotiation skills were crucial to getting an accepted offer and closing the deal. She is the best agent that I have had the pleasure to work with by a large margin.
I would like to forward my highest recommendation for Mikki Cardoza. She helped me sell my home in Eureka California. It was on the market for only four days! Her knowledge of the local market is extensive and she knows the local contractors well which enabled me to get repairs done rapidly and at a discounted price. She has a wonderful way of dealing with people and navigates through a multitude of complexities with ease. She made the process of selling my home fun! I cannot speak highly enough of her!
Working with Mikki was an amazing experience. She guided us every step of the way, answered all our questions, and made what could have been a stressful process feel easy and manageable. Her dedication and expertise truly stand out, and we are so grateful for all her help.

Seller’s Guide

Seller’s Guide

Delivering top value and smooth transactions.

Buyer's Guide

Buyer's Guide

Tailored plans that fit your goals and lifestyle.

14 Real Estate Questions Consumers Are Really Asking

Buying or selling a home can be complicated, but it doesn't have to be. Get the answers to the most common questions I get asked from clients.

There's rarely a universally "perfect" time to buy or sell. The real question is whether it's the right time for you. Your finances, family, job, and goals matter just as much as interest rates or headlines. My job isn't to talk you into a move, it's to help you figure out if moving now makes sense, or if waiting is smarter.

Why call me now? A 20-minute conversation can give you more clarity than months of googling. Let's look at your personal situation and figure out what makes sense.

Your home is worth what a ready, willing, and able buyer will actually pay for it right now, and no, Zillow hasn't walked through your house. Online estimates are a starting point, but they don't know about your remodeled kitchen, new roof, or the busy road behind the house down the street. I look at the numbers, but also the story of your home: location, condition, and what buyers are responding to right now.

Why call me now? Knowing your home's value doesn't mean you have to sell. It just gives you a real number instead of an internet guess.

This might be the number-one reason people stay in homes that no longer work for them: "I'd sell, but then what?" That's where planning comes in. We can map out your next move before your home ever hits the market: buying first, selling first, a rent-back, or something more creative. You don't need all the answers before we start talking. That's my job.

Why call me now? The earlier we plan, the more options you usually have. Let's map out a Plan A, B, and maybe C before there's a sign in the yard.

There's a difference between what you qualify for and what you're actually comfortable paying every month. I want you to own your home, not have it own you. We'll look beyond the mortgage payment to taxes, insurance, HOA dues, and the occasional surprise water heater. The goal isn't the house a lender will approve; it's a home you can actually enjoy living in.

Why call me now? Before you fall for a house, let's figure out a price range that still leaves room for dinners out and vacations.

Nope, that's one of the biggest misconceptions out there. There are loan programs with much smaller down payments, and depending on your situation, assistance programs too. Twenty percent down has its advantages, but it isn't the only way in the door. Talk to a good lender before assuming you can't buy; you might be surprised.

Why call me now? You may be closer to buying than you think. Let's connect you with the right lender and find out what's actually possible.

Please don't spend $50,000 because your neighbor's cousin said buyers want gray countertops. Call me before you start remodeling. Sometimes paint, cleaning, and a little curb appeal give you the biggest return; sometimes the smartest move is selling as-is and letting the next owner make it theirs. Every house is different.

Why call me now? One conversation before you hire a contractor could save you thousands, and a lot of unnecessary work.

This should be one of our first conversations. Before deciding whether selling makes sense, you deserve a realistic idea of what you'll walk away with after mortgages, commissions, escrow costs, and repairs. I like numbers, especially before big decisions. No surprises at the closing table.

Why call me now? Your sale price isn't the number that matters most, what you walk away with is. Let's run the numbers first.

Possibly more than you think, and negotiation isn't only about price. Depending on the property, we may negotiate repairs, credits, closing costs, timelines, or other terms. The strongest offer isn't always the highest one; sometimes how it's structured makes all the difference.

Why call me now? Good negotiating starts before you write the offer. Let's talk through how to make your offer stand out without giving up more than you need to.

First: don't panic. Real estate deals have a lot of moving parts, and occasionally one doesn't cooperate; that's why we have inspections, contingencies, and contracts. My job is helping you understand what's happening and what your options are. Problems don't usually kill a deal; they just need good information and a plan.

Why call me? When something unexpected comes up, you want someone beside you who's handled it before and knows how to stay focused on the fix.

Ask more than "how many houses have you sold." Ask how they communicate, negotiate, and handle problems, and ask yourself if you trust them to tell you the truth even when it's not what you want to hear. A good real estate relationship should feel like a partnership, not a sales pitch.

Why meet with me? Don't choose an agent off a postcard or billboard. Let's sit down, ask each other questions, and see if we're the right fit: no pressure, no obligation.

Absolutely not. You can call me with a plan that's just "maybe someday we'll move." That's plenty. Some of the best decisions start six months, a year, or even years before the actual move. A good agent should be there while you're still figuring it out, not just when you're ready to sign.

Why call me now? Sometimes the conversation is what creates the plan. Coffee and a "what if" is a perfectly good place to start.

No, your house has been lived in, and that's allowed. We'll declutter, clean, and give it some love, but you don't need to remodel everything or live in a museum for three months. We'll figure out together what actually matters to buyers.

Why call me now? Let me see the house before you start apologizing for it. I can tell you what buyers will actually notice.

A good deal isn't always the lowest price; it's the right property, on terms you understand and feel good about. Paying full price for the right house can be a great decision; getting $100,000 off the wrong one still isn't. We look at comparable sales, condition, and your goals, then make a thoughtful decision instead of an emotional one.

Why call me before you start touring homes? Because it's easier to make good decisions when we know your priorities before you fall for the countertops.

This might be my favorite question, because you don't know what you don't know. Real estate touches financing, inspections, insurance, taxes, timing, and occasionally a surprise sewer line. You shouldn't have to become an expert to buy or sell; that's why you hire one. Bring me your questions, your crazy ideas, your "what if we" conversations. My goal isn't just closing a transaction; it's helping you feel good about the decision after the boxes are unpacked.

Why set an appointment? Sometimes the most valuable thing I can do is show you choices you didn't know you had. Let's talk before the decisions get urgent.

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Work With Mikki

With deep roots across Northern California and the backing of a global powerhouse, I deliver tailored service with unmatched insight.