Priced out of the San Francisco Bay Area housing market? Check out these creative housing options.

Coit Tower, S.F., CA   While the rest of the world is amazed or simply amused by the surging prices for housing we have in the Bay Area, one couple has documented it and one google employee has found a creative way to thrive.  Is his plan part of a bigger movement?  What can a middle … [Read more...]

What’s Hot in Real Estate – The Rental Market

Investors who purchase apartment houses see better deals now than in the last four years. In contrast to housing, where prices are low, inventory high, loans are difficult to get, and 40% of the market is foreclosures or short sales, the rental market (especially apartments) have rents growing, … [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...]

10% down and not FHA!

Property type: Three-bedroom, two bath in Half Moon Bay Appraised value: $585,000 Loan amount: $508,000 Loan type: 30yr fixed Rate: 5% Back story: For a long time in this economy the only way to do a 10% down mortgage was through FHA. This loan makes the blog because it was the … [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...]