How is the Interest Rate Determined ?

100 Dollar Bills

Well, for an individual buyer the rate is determined by a lot of factors: primary home or investment home, loan size, Loan to Value, credit score, credit history, debt ratio, type of income, job history, job stability, w-2 or 1099 … Read the rest

Silicon Valley Property Values – Declining?

Business Card Joe Adamson

Given damage to our economy by Covid-19, many people are concerned about declining property values.  Potential declines are possible….even likely, given that recovery won’t happen overnight.  However, declines aren’t likely to be as severe as those following the 2008 recession.… Read the rest

Healthy Home, Healthy You:

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Remodels and Upgrades That Can Improve Your Health and Well-Being

The word “remodel” often gets one thinking that improvements are being made to a home in order to increase the value of the house or to improve the aesthetics. However, … Read the rest

Choosing a Home with Good Bones

old house

How To Know If A House Has ‘Good Bones’

When you’re shopping for a new home, it’s not uncommon to hear your realtor say that a house has “good bones.” But what does that mean? You might notice that they … Read the rest