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Blog Archives: January 2014 — December 2014

Be Prepared for Your Mortgage Pre-approval Interview by Having Answers to These 4 Questions

December 31, 2014
So – you’ve completed an initial mortgage pre-qualification and now you’re ready to take the next step and meet with your lender or mortgage advisor for the pre-approval interview. Are you ready? At this stage of the application process your lender will dig into your financial background to ensure that you’re fully capable of making your mortgage payments and that you don’t present too high a risk. Let’s take a quick look at a few questions you should know the answers to before you go in for a mortgage pre-approval. Do You Have a Specific ...

Exclusive Guest List Registration – 55 Miguel #3

December 30, 2014
Fill out my online form. var zc8eydx1g9u40l;(function(d, t) { var s = d.createElement(t), options = { 'userName' : 'michaelminson', 'formHash' : 'zc8eydx1g9u40l', 'autoResize' : true, 'height' : '480', 'async' : true, 'header' : 'show', 'host' : 'wufoo.com', 'entSource' : 'wordpress', 'defaultValues' : '' ,'ssl' : true }; s.src = ('https:' == d.location.protocol ? 'https://' : 'http://') + 'wufoo.com/scripts/embed/form.js'; ...

Winter Staging: How to Make Your Home Look Beautiful when It’s Miserable Outside

December 30, 2014
When the weather outside is frightful, you may feel anything but delightful if you’re hoping to attract potential homebuyers. When you’re staging a home for sale, you want to make it as appealing as possible – especially during the winter months. Even if the outdoors aren’t exactly in your favor, you can still create an unforgettable interior that will leave everyone impressed and longing for a second look. Embrace The Season Winter has an allure all its own, so take advantage of that when deciding on your staged decor. Catch the seasonal ...

What’s Ahead For Mortgage Rates This Week – December 29, 2014

December 29, 2014
Last week’s economic news included several housing related reports. Housing markets continue to cool as November reports on existing and new home sales fell below expectations. New Jobless claims were lower than expected by 10,000 claims. The details: Existing and New Home Sales Down, FHFA House Price Index Up The National Association of Realtors® reported that November sales of existing homes fell to 4.93 million sales against expectations of 5.18 million sales. October’s reading was revised from 5.25 million sales to 5.26 million. This ...

Existing Home Sales Dip to Lowest Level since May

December 24, 2014
The National Association of Realtors® reported that sales of existing homes dropped to a seasonally-adjusted annual rate of 4.93 million as compared to expectations of a 5.18 million existing homes sold. Projections were based on October’s reading of 5.25 million. November’s reading showed a 6.10 percent dip in sales of existing homes and was the lowest reading since May. Fed Chair Janet Yellen said last week that the less than robust housing recovery is due in part to tight lending standards. Lawrence Yun, chief economist for the National ...

Moving This Winter? Here Are 5 Relocation Tips That Will Help Ease the Stress of Moving

December 23, 2014
Moving is not exactly enjoyable at any time of the year, but it can be especially stressful in the winter. Moving all of your items when it is snowing and blowing outside makes things a lot tougher. However, if you prepare accordingly and have the right attitude, you’ll find that your move will go much smoother. Here are five relocation tips that will help ease the stress of a move. Do not Pack Your Winter Supplies When you are moving in the wintertime, you should keep your winter supplies, such as a snow shovel and salt, in the car with ...

What’s Ahead For Mortgage Rates This Week – December 22, 2014

December 22, 2014
  Last week’s scheduled economic events were few but informative. Housing related reports included the National Association of Home Builders/Wells Fargo Housing Market Index for December, which stayed close to a nine-year high reading of 59 in September. December’s reading was 57 and fell two points shy of the expected reading of 59. November’s reading was 58. Readings above 50 indicate that more builders are positive about market conditions than those who are not. Housing Starts for November were lower according to the Department of ...

Let There Be Light! 3 Easy Ways to Make over a Room by Adding New Light Fixtures

December 19, 2014
Light is an important design element that can be used to influence your interior decor in a number of ways. In fact, you can experience a major transformative change on the overall style and ambiance of a room by making a few simple lighting changes. Consider how these ideas can help you to improve the look of your space with great results, and think about ways that you can improve your space by making a few changes. The Addition of Spotlights If you have fine pieces of artwork, decorative display areas or other features that you want to ...

Median List Price for San Francisco Condos is $990,000

December 18, 2014
The median list price in SAN FRANCISCO, CA this week is $990,000. Inventory has been lightening lately and the Market Action Index has been trending up. Though days-on-market is increasing, these are mildly positive indications for the market. In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory.  However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb. The market seems to ...

FOMC Statement: No Year-End Surprises

December 18, 2014
The Federal Open Market Committee (FOMC) said in its last statement for 2014 that although economic conditions have improved at a moderate pace, the Fed believes that the target federal funds rate of between 0.00 and 0.25 percent remains “appropriate.” While labor markets show expanding job growth and lower unemployment rates, FOMC members noted that housing markets are recovering slowly. Inflation remains below the committee’s target rate of two percent; this was attributed to lower fuel costs. Household income and business investment were ...

First-Time Condo Buyer? What to Expect from Your New Homeowners Association

December 17, 2014
Every owner of condominium property automatically becomes a member of a homeowners association, otherwise referred to a “HOA” throughout the United States or a “Strata” in Canada. With that membership come certain rights and responsibilities. The primary right that the owner has is to vote at HOA meetings and elect board members. Responsibilities include payment of condo fees and assessments, compliance with association by-laws and rules, and maintaining a condo unit in conformity with those by-laws and rules. Let’s take a quick look at ...

Home Builder Index Stays Near Nine Year Peak

December 16, 2014
Home Builder Sentiment slipped to a reading of 57 in December according to the National Association of Home Builders Housing Market Index. November’s reading of 58 prompted analysts to project a reading of 59 for December. The latest reading marks the sixth consecutive month for readings above 50. Any reading over 50 indicates that more builders are positive about housing market conditions than not. The one-point decline in December’s reading kept the NAHB Housing Market Index within two points of a nine-year high reached in September. ...

Tuesday Tour Schedule Released – 7 Pages_12.16.2014

December 15, 2014
Tuesday tour (aka Broker’s Tour) is not just for brokers anymore – the public is invited and welcome to attend. In fact, it’s one of SF’s best kept real estate secrets. Many of the properties on the tour are open for the first time. For serious buyers, this is a great opportunity to get a sneak peak before the weekend crowds. Plus, many of the open houses are catered – BONUS! Click HERE for a full schedule I go out just about every week to scope out what’s hot and what’s not and report back to my clients. We had 12 pages last week. This ...

What’s Ahead For Mortgage Rates This Week – December 15, 2014

December 15, 2014
  Although there were few scheduled economic events related to mortgages and housing, last week brought an article about housing projections for 2015. Other news included increased job openings along with lower than expected jobless claims and higher mortgage rates. Job Openings, Retail Sales and Mortgage Rates Rise The U.S. Department of Commerce reported that November job increased to 4.80 million as compared to October’s reading of 4.70 million job openings. Weekly jobless claims corresponded as new claims fell to 294,000 as compared to ...

Trying to Save on Your Closing Costs? Here Are Three Tips That Can Help Lower Them

December 12, 2014
Whether you’re about to close on a lovely new house for your growing family or a stylish beachfront condo so you can retire close to the ocean, one thing is certain: you’re going to face a variety of closing costs. Insurance, taxes, financing fees, title fees, attorney fees and other costs will need to be paid, and if you’re a savvy buyer you’ll do everything you can to save on them. In today’s post we’ll share three quick tips that can help you reduce your closing costs when you buy your next home. Tip #1: Include Closing Costs in Your ...

Don’t Be That Guy or Gal: 3 Easy Ways to Ruin Your Relationship with Your Real Estate Agent

December 12, 2014
Are you thinking about buying or selling a home? If you don’t know a real estate agent or have a referral to one, you may end up working with someone unfamiliar who you will need to build a relationship with. Of course, as with any relationship there’s always a chance that things can go sour. In today’s blog post we’ll share three easy ways that you can ruin the trust and rapport that you’ve built with your real estate agent. #1: Lie or Embellish the Facts When you ask a real estate agent to represent you in the home buying or selling ...

Understanding the Difference Between a Mortgage Pre-qualification and a Pre-approval

December 11, 2014
If you’re in the market for a new home and you’ve been researching mortgages, you’ve likely come across the terms “pre-qualification” and “pre-approval”. While these terms are self-explanatory in some circumstances, they are quite different in regards to mortgage financing. In today’s blog post we’ll explain the difference between a mortgage pre-qualification and a pre-approval. Pre-qualification: an Initial Look at Your Mortgage Options The first – and easiest – step on the way to receiving mortgage financing to buy a home is known as ...

Median List Price for San Francisco Condos is $975,000

December 10, 2014
The median list price in SAN FRANCISCO, CA this week is $975,000. Inventory has been decreasing lately but the Market Action Index is falling also. With days-on-market climbing, these are relatively negative implications for the market. In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory.  However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb. The market seems to have ...

You Ask, We Answer: How to Choose Between Expanding Your Current Home and Buying a New One

December 10, 2014
Does your home feel like it’s starting to burst at the seams? Many homeowners across the country can relate to this feeling having bought a home only to run out of space due to a growing family or for other reasons. Let’s take a quick look at a few questions that will help you to determine whether buying a new home or expanding your current home is the best choice when you’re in need of some extra space. Why Are You in Need of More Space? The first question you’ll need to answer is…”why?” Are you running out of space because you’ve decided ...

Tuesday Tour Schedule Released – 12 Pages_12.9.2014

December 09, 2014
Tuesday tour (aka Broker’s Tour) is not just for brokers anymore – the public is invited and welcome to attend. In fact, it’s one of SF’s best kept real estate secrets. Many of the properties on the tour are open for the first time. For serious buyers, this is a great opportunity to get a sneak peak before the weekend crowds. Plus, many of the open houses are catered – BONUS! Click HERE for a full schedule I go out just about every week to scope out what’s hot and what’s not and report back to my clients. We had 10 pages last week. This ...

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