Buying a Short Sale — The Need for Speed

Short sales offer not just a lifeline to homeowners in over their heads, but an opportunity for homebuyers seeking an amazing deal. Better yet, thanks to new regulations, the once lengthy process has recently become considerably more streamlined. In a short sale, a homeowner that cannot afford to … [Read more...]

Practical Advice : How To Help Your S.F. Bay Area Home Sell Faster

Thank you Michael for the post. If you are thinking about selling your home in the S.F. Bay area I'm happy to set up a time to view your home & provide input as to value & how to prep it for market so that it sells for top dollar. Keep in mind when watching this clip that the market … [Read more...]

Cost vs. value: what home renovation projects have the greatest return?

Cost vs. value:  what home renovation projects have the greatest return? A new garage door, window replacement & minor kitchen remodels top the list for greatest ROI.  If you're thinking about upgrades to your home, talk with your Realtor for guidance on what is appropriate for your … [Read more...]

How is your service professional keeping your private information confidential & protected?

How is your service professional keeping your private information confidential & protected? Everything Cheryl Bower, CRS, with Zephyr Real Estate in San Francisco, needed to know about data security, she learned from a dentist. After working in a dentist’s office for several years, … [Read more...]

When comparing your insurance premiums, use your discounts!

When comparing your insurance premiums you need to make sure you are looking at the whole picture rather than looking at one mono-policy compared to another. Often the various discounts available through a multiline carrier will make your overall insurance cost less than if you just compared one … [Read more...]

How To Renegotiate Your Credit Card Interest Rates To Something Lower

Credit card debt, left unchecked, can pile up quickly. Especially for debtors making minimum payments. According to the Federal Reserve, a credit card balance of $5,000 at 23.99 percent APR won’t pay off for 16,127 years. That’s one reason why it’s important to manage your credit card … [Read more...]

Glen Park dog-friendly rental w/ private garden

Glen Park dog-friendly rental w/ private garden [property_details details="1"] Private dog-friendly garden apartment $1,550 | 282B Monterey Blvd S.F., CA >Gas stove, small eat-in … [Read more...]

Zephyr Real Estate Wins IMA Website Award!

Go Zephyr!! Looks like Zephyr's new website is creating some excitement out there.  I think it's a huge improvement over the prior version, offering video, in depth neighborhood details and market data not to mention more robust property search features.  If you are curious about price trends in … [Read more...]

Noe Valley city view,top floor, updated, cat-friendly 2br/1ba rental $2500/mo

    [property_details details="1"]   About Noe Valley         Posted by: Cheryl Bower, Realtor CRS, GRI, ABR, ePro Cell 415.999.3450 DRE #: 01505551 Zephyr Real Estate Follow Me on LinkedIn Facebook Flickr … [Read more...]

A Lender’s Perspective: How does the Homeowners Insurance Agent fit in during a Home Purchase?

In the case of a home purchase, the mortgage lender cannot do his job unless homeowners insurance is provided. And a good insurance agent is very important to make sure the client has the correct and adequate insurance coverage. How is the right coverage amount determined and how does the mortgage … [Read more...]

How Much Should You Expect To Pay In Mortgage Closing Costs?

How much does a mortgage cost? The answer depends on where you live. But no matter which your locale, chances are strong that you’ll pay more for a mortgage in 2010 as compared to 2009. According to and its annual Closing Cost Survey, a typical $200,000, purchase mortgage now … [Read more...]

How to save a few trees & time on your next real estate purchase or sale with Docusign (e-signature)!

How to save a few trees & time on your next real estate purchase or sale with Docusign (e-signature)! I never tire of the ease in using Docusign for my clients real estate transactions.  I can't imagine having to inconvenience clients by asking them to ink sign the sometimes 400+ pages of … [Read more...]

RENTED: 115 Cuvier St., S.F., CA – Single family pet friendly home on Glen Park/Bernal Heights border

S.F. Pet Friendly rental on Glen Park/Bernal Heights border 115 Cuvier St., S.F., CA- Leased 7/2010 $2700/mo [property_details details="1"] Craigslist post template Spacious 3br/2ba home on Glen Park/Bernal border $2,700 | 115 Cuvier St. SF, … [Read more...]

Cheryl’s S.F. & Peninsula Pet Friendly Rental Listings-Leased

San Francisco & Peninsula Pet Friendly Rentals S.F. 4024 Cesar Chavez Pet friendly, updated 1 BR Noe Valley garden apartment! Listed: $1,650 1 beds | 1 baths Cute, updated 1 bedroom garden apartment in fantastic Noe Valley! This is a 3 unit, … [Read more...]

RENTED: Merced Manor, San Francisco Pet Friendly rental

[property_details details="1"] … [Read more...]