Xavier Williams is the Team Lead & Owner of The Bay Realty & Home Loans, as well as a licensed REALTOR®, Mortgage consultant, and a visionary industry leader dedicated to ensuring homebuyers and sellers access the necessary resources and information when pursuing their real estate goals.

Xavier has over 6 years of experience in real estate. His vast wealth of industry knowledge and expertise merges perfectly with his rich career portfolio in management, sales, and consultancy, distinguishing him as a reliable advisor to every buyer and seller who needs to make the right move from the onset of the buying or selling process.

Prior to venturing into real estate, Xavier worked as a Personal Banker with Wells Fargo, gaining valuable experience that equipped him with an in-depth understanding of personal finance and credit. He leverages this experience in his profession to help his clients understand the loan options available to them and analyze their financial and credit situation and the impact a loan could have on their financial stability and security in the long run.

After dropping out of high school due to personal issues, Xavier took a leap of faith in interrupting his career to continue his educational studies at West Valley College. While attending West Valley Community College, Xavier double majored in Political Science & Economics and was recognized as a President Scholar for his exemplary leadership qualities and commitment to helping others excel.

This led Xavier to be offered a full-tuition scholarship at the prestigious Ivy-League university, Columbia University in New York. He turned down this opportunity and decided to stay local and start a family while accepting his offer to transfer and complete his studies in Environmental Economics & Policy at the #1 Public University in the world, the University of California, Berkeley.

As a REALTOR®, he views his profession as a calling to serve others and be their source of hope and strength in a dynamic, challenging, and sometimes stressful field. Thus, his career is built on a vision to offer them comfort and peace of mind, knowing they can trust him to prioritize their needs and deliver desirable results fast and efficiently.

Xavier is blessed with a warm, charming personality that allows him to make friends quickly and a brilliant mind that enables him to engage with his clients in diverse areas of interest.