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josh barish: San Francisco Mortgage Loans May Help Free Up Cash for Holiday Bills - 11/08/10 04:36 PM
You may think that refinancing your home loan is not at the top of your to-do list this holiday season, but maybe it should be. Many residents in California still carry a mortgage with a high interest rate unnecessarily. While no one can predict how long mortgage rates are going to last, it is important to consider refinancing into a lower mortgage payment now while the Fed is making financial moves aimed to be more favorable for consumers.
A Reduced Mortgage Payment Can Add Relief
While the holidays are just around the corner, so too are the bills associated with … (0 comments)
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josh barish: Check Your San Francisco Home Equity Before Refinancing - 10/12/10 09:15 PM
With mortgage rates at historic lows, you may be thinking about refinancing your home. While this a great time to think about lowering your monthly mortgage payment, one of the main factors you need to consider before refinancing is equity in your home.
Your Home Equity in San Francisco
According to the San Francisco Chronicle, dropping home values across the country have left many Americans "underwater", owing more to their mortgage lender than their home's current market value. Other homeowners have low equity. Refinancing with little or no equity is not always possible with conventional lenders, but some government programs are … (0 comments)
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josh barish: San Francisco Mortgage Rates Stay Low as Price Reductions Increase - 09/28/10 01:54 PM
The resilience of San Francisco home values during this economic downturn may have ran out.
According to Trulia.com, San Francisco is getting in line with the rest of the nation as home price reduction levels have increased for the third consecutive month.
Most of the bad news has come in September. 24% of homes for sale in San Francisco have had at least one reduction, which is consistent with August data. Overall, each zip in the area had a similar percentage of reduced properties.
This comes as price reduction levels across the U.S. match an all-time high from last year and … (0 comments)
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josh barish: San Francisco Mortgage Metro-Area Leads Home Price Rise - 09/20/10 03:33 PM
California home prices have gone up with the San Francisco metro area leading the charge. According to CNNMoney.com, the state of California is displaying signs of stability while the rest of the nation is still wavering.
Home prices are rising in virtually every corner of the state. They've climbed for nine consecutive months, and in July posted a 10.4% gain year-over-year. That puts the state's median price at $315,000 -- nearly twice the national median of $183,000...San Francisco posted the biggest gain of any U.S. metro over the past year, rising 14.3%. The median price there is now more than $607,000.
… (0 comments)
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josh barish: Find Stability in California’s Slow Recovery with San Francisco Refinance - 09/17/10 01:21 PM
The economy is improving. But is it noticeable?
California's recovery from a brutal recession is happening at a snail's pace, according to economic report just released.
"All the evident suggest that California is ever so slowly coming out of the recession," said the UCLA Anderson Forecast for the third quarter. "While the groundwork for faster growth is being put down, there is not a lot of perceptible change."
And this is where the problem lies. People are still nervous because there's not a tangible difference, yet. Many remain hesitant about making any significant financial investments (rightly so).
According to a San … (0 comments)
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josh barish: Back to School Special for San Francisco Home Loans - 08/25/10 01:45 PM
School is almost back in session and that means that the Bay Area will be buzzing as the new semester begins. In particular, U.C. Berkeley will be filled with the new and returning students moving back into their apartments and dorms.
Students will always provide a steady stream of demand for housing in the area. While a majority of these students will be renting their home for the year, falling housing prices and record low mortgage rates have made the back-to-school season a unique time to think about purchasing a home.
San Francisco Home Loans Are at Record Lows
Mortgage rates … (0 comments)
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josh barish: San Francisco Home Mortgage Tips - 08/11/10 03:11 PM
To say home prices in San Francisco are unpredictable would be an understatement. While there has been some positive news recently, Bay Area residents are continuing to tighten their budgets since the economic downturn. With uncertainty in the housing market, it is understandable that many are cautious on making any significant financial investments.
There is good news, though!
San Francisco home mortgage rates are at historic lows! These low rates have created an opportunity to lower your monthly payment and lock-in a lower mortgage rate by refinancing. Depending on your financial situation, this could save you thousands of dollars in interest … (3 comments)
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