The Benefits Of Homeownership Go Beyond The Financial

Homeownership is a major part of the American Dream. As evidence of that, 91% of Americans believe that owning a home is either essential (43%) or important (48%) to achieving that “dream.” In a market where some people may be unsure about the benefits and possibilities of buying a home, it is important that we remember this.

Homeownership is NOT just about the money. In fact, some of the major benefits are non-financial. Here are a few of those benefits as per the National Association of Realtors: Continue reading “The Benefits Of Homeownership Go Beyond The Financial”

SOLD – 395 Imperial Way #122, Daly City

Congratulations to my client on purchasing a new investment property in Daly City, CA!  Wishing you many years of prosperity with your new family investment in the Bay Area!

395 Imperial Way #122, Daly City
studio, 1 bath, 483 sq ft.
Listed at $365,000 + Sold for $365,000
Represented buyer

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SOLD – 2000 Ellis Street #205, San Francisco

Congratulations to my client on selling his 1 bedroom condo in the 2000 Ellis Street building, just in time for the holidays! If you’re looking to sell your home in San Francisco, contact me today for a complimentary home analysis! I will show you how I can plan to market your home to sell for top dollar in today’s real estate market.

2000 Ellis Street #205, San Francisco
1 bedroom, 1 bath + 595 square feet
Sold for $745,000
Represented seller Continue reading “SOLD – 2000 Ellis Street #205, San Francisco”

JUST LISTED — 20 Ellington Avenue, San Francisco

START THE NEW YEAR OFF RIGHT LIVING IN THIS OUTER MISSION HOME WITH VIEWS OF SUTRO TOWER AND THE SURROUNDING HILLS! This 1400+ square foot semi-detached home has everything you need, plus all three bedrooms and one bath are located on the main level! Since this home is located at the end of a court with no direct neighbor on one side, it features extra light and some added privacy. Enjoy cozy evenings by the fireplace, and wake up to lovely views of San Francisco. An additional bonus room in the rear is the perfect space for a home office or additional living space. The lower level features added living space with three separate rooms and one bathroom. One car parking in the garage complete this home. You won’t want to miss it!

20 Ellington Avenue, San Francisco
3 bedrooms + 2 bathrooms
1,400 square feet
Listed for $998,000 Continue reading “JUST LISTED — 20 Ellington Avenue, San Francisco”

Interest Rate vs. APR: What’s the Difference?

When shopping for a new home loan, it’s easy to feel overwhelmed by the terminology that lenders and realtors use to describe various aspects of lending:  PITI, conforming/non-conforming, jumbo, conventional/nonconventional, ARM…  I often tell clients, when in doubt, ask your lender to explain anything and everything to you.  There are no dumb questions in real estate (and in life).

However, a frequent question I come across is what is the difference between an interest rate and an APR (annual percentage rate)? The answer is rather straightforward.

An interest rate is the cost you will pay each year to borrow money from your lender, expressed as a percentage of the loan amount. It does not reflect fees or any other charges you may have to pay for the loan.

An annual percentage rate (APR) is broader than an interest rate — it measures the cost to you of borrowing money, and includes not only the interest rate but also any points, mortgage broker fees, and other charges that you pay to get the loan. For that reason, your APR is usually higher than your interest rate.

So when shopping for a home loan, don’t forget to ask about not only the interest rate, but also the APR.  Both figures should be included in your lender’s Loan Estimate.

SOLD – 288 San Jose Avenue, San Francisco

Congratulations to my clients for purchasing their first home together!  After beating out multiple other offers, they purchased their new home in the exact neighborhood they desired.  This 2-bedroom condo is nestled between the Noe Valley and Mission Dolores neighborhoods, right where they wanted to be, and is a spacious upgrade from their previous apartment.  I’m so excited for them to move in and start making memories in their new place! Continue reading “SOLD – 288 San Jose Avenue, San Francisco”

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