Credit Triggers: How to Protect Yourself from Incessant Lender Calls
Have you recently applied for a mortgage, or are you planning to? If so, you might be in for an unexpected and frustrating experience. Shortly after your credit report is pulled for a loan inquiry, you could receive numerous calls from random lenders trying to win your business. This is the result of what’s known […]
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FOUR THINGS NOT TO DO DURING THE CLOSING PROCESS
When you are closing on your home, you need to make sure that you don’t make any drastic changes that could negatively impact the sale. Here are the top four things you should NEVER do when you are trying to buy. 1) Change jobs: What job you hold is one of the first things that […]
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Should I Buy My Next Home Before I List My Current One?
In many areas across the country, homes are selling fast. But in the Bay Area, homes are selling within a week with multiple offers for way over the asking price. This sounds like a great thing for anyone looking to sell a house. But it can cause quite a dilemma. Where will you go […]
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The North Wind Season: Home Decorating for the Holidays
At the same time each year, the air outside turns brisk and cold when northern wind gusts rise. Whether you call it a big city or a small-town home, holiday decorations will be drawn across front lawns, tangled around door frames, and twisted along porch railings. But whatever the celebration, across darkening landscapes everywhere, residences […]
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Unlocking Savings: How Prop 13 and Prop 19 Make Downsizing Affordable for Seniors
While I was talking to a client yesterday, I realized that like my client, many seniors may be unaware of the Prop 19 and its benefits. Under Proposition 13, your property taxes are calculated based on the original purchase price of your home, with a capped annual increase of no more than 2% in assessed […]
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Refrigerant Phase out. Do you need to replace your AC?
If you are thinking about replacing your current air conditioner or planning to install a new one, you may want to be aware of what’s happening in the refrigerant world. The currently used refrigerant, R410-A is being EOL’ed as of January 2025. ACs with the replacement refrigerant called A2L are already on the market. Pay […]
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How Buying and Selling Homes is About to Change
A major shift is coming to the Bay Area real estate market on August 17th. The way buyer agent commissions are paid is undergoing a dramatic overhaul. How does it work now? Traditionally, the seller covers the commission for both the listing agent and the buyer’s agent.For example, on a 5% commission, the listing agent typically keeps 2.5% and […]
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How will 2024 Housing Market Perform?
What will happen to the housing market if the interest rates come down? This is a very frequently asked question whenever I meet clients and friends. I thought I would address that question for the benefit of you. When mortgage rates trend down and the stock market itrend up as currently happening, it can […]
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As interest rates climb, Silicon Valley buyers are putting a larger down payment
Who has $235,183 lying around in a bank account? The average homebuyer in Silicon Valley, apparently. That’s the median down payment for a home in the San Jose metro area — and it’s on the rise. In the third quarter of 2023, the median down payment in San Jose reached nearly 25% of purchase price, […]
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