Howard Sobel's (howardsf) Blog

  30-year fixed-rate mortgage: Averaged 6.63 percent with an average 0.6 point for the week ending July 24, 2008, up from last week when it averaged 6.26 percent. Last year at this time, the 30-year FRM averaged 6.69 percent. 15-year fixed-rate mortgage: Averaged 6.18 percent with an average 0.6 ...

A Summary of Rent Board Regs for Sublets and Roommates The regulations the rent board imposes on owners and managers of property in San Francisco are confusing and can lead to costly mistakes. The rent board has a series of small articles that make quick summary of complex situations. You should ...

 There is no such thing as a “nonrefundable” security deposits or key deposit, cleaning fee or closing cost, all money paid in addition to your first month’s rent is refundable. The total amount the landlord can charge for all the deposits including last month’s rent 1. Twice the amount of one mo...