San Diego, CA → Asheville, NC · 28 years of ownership
Adaeze and Chidi Okafor
28-year San Diego homeowners relocate to Asheville with coordinated CA Prop 19 / NC homestead handling, bridge financing for the Asheville purchase, and a carefully sequenced Medicare transition.
“We needed two agents, one in each state, both who understood what we were doing. The matching system produced that automatically.”
— Adaeze Okafor
Starting position
Adaeze (67) and Chidi (69) Okafor — 28 years in San Diego. Climate-conscious (fire risk), wanted East Coast family proximity. Asheville on shortlist for two years.
Cross-state coordination
Required two agents, synchronized timing, tax residency, Medicare reenrollment. Shift-Score requested cross-state match.
Two-agent process
James Chen in San Diego. Patricia Williams in Asheville. They had worked Shift-Certified cross-state moves six times previously. Patricia ran a week-long destination visit in October. James began SD prep in November.
Bridge financing
$780K bridge against San Diego home, 12-month term, 8.9% rate. Okafors closed on the Asheville home March 2026. SD sold late April. Bridge repaid in full. Total interest cost: ~$41K.
Tax and residency
Cross-state move = Prop 19 NOT available. CA capital gains taxed at 13.3% top bracket plus 20% federal. Net still funded the Asheville home outright plus retirement-account supplementation.
Outcome
High satisfaction at 6 months. Quote: ‘The moment we realized one agent couldn’t possibly do this well, the whole process started to make sense.’
Sold for: $1,680,000 · Advisor: James Chen + Patricia Williams
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