Buyer & Seller Resources



This section gives buyers and sellers a set of resources below: as follows: Home Buyer’s Guide, Mortgage Calculator, etc. and make those anchor links to each header if possible!


Home Buyer's Guide



Intro

The San Francisco Bay Area is one of the most desirable real estate markets in the world,  and we understand that navigating the property buying process can seem challenging.  However, with the expertise and breadth of knowledge I have, you are in trusted hands. I will guide and advise you during every step of the buying process to  help you find the perfect home that fits your needs, budget, and lifestyle.




Primary and Secondary School Information

More than half of all homebuyers with children under 18 years of age rate the quality of the local school district as a major factor influencing, according to the latest “Profile of Home Buyers and Sellers” from the National Association of Realtors (NAR). According to the NAR study, the quality of the schools is a more important factor than affordability, convenience to schools and shopping, or even proximity to family and friends. Only convenience to the workplace is more important, but only by 1 percentage point.

Glossary of Real Estate and Mortgage Terms

80-10-10.

A type of blended mortgage loan which avoids private mortgage insurance (PMI). It consists of an 80%  30- year first lien at market rates, a 10% - 15- year second lien at a slightly higher interest rate, and a  10% down payment. Instead of having to come up with a 20% down payment, a buyer is able to avoid PMI with only 10% down. While the interest rate on the second note is a bit higher, the total monthly  payment is usually lower than a 90% mortgage with PMI. In addition, the extra interest paid for the  second lien is tax deductible, whereas PMI is not. It is also possible to payoff just the second lien,  thereby lowering the future monthly payments. Some lenders also offer 75-15-10 and 80-15-5  programs. This type of mortgage also gives the consumer the option of having a non-escrowing loan without a 20% down payment.


Mortgage Calculator



CA State Proposition 19

CA Proposition 19, passed in the election held in November 2020, will change certain sections of California real estate tax and estate law once it goes into effect on February 15, 2021. One group of these changes pertain to certain circumstances that affect three groups of homeowners: those over 55 years of age, those with a severe disability, or those whose property has been impacted by a natural disaster.


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