The San Jose Way

Real Estate Agent - Better Homes and Gardens Real Estate
Working the real estate world in San Jose, California.



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The Federal Reserve Board has published a list on the Internet of five tips to avoid possible foreclosure scams.  Here in San Jose, it is surprising the number of people who still fall prey to scam artists in misguided hopes of saving their homes from foreclosure.  Most wind up in a far worse sit...
Are you looking at your kitchen thinking it's time to remodel, but wondering if you'll get the value back out of it down the road?  Or, the bathrooms, perhaps?  What about adding a new bedroom or family room?  Surely, they have to be worth the bucks you put into it, right? Each year, Remodeling m...
Do you remember the days when turning something off meant really turning it off?  You felt and heard the pleasing click of a switch that meant the thing was no longer sucking electricity out of the wall outlet.  Now days, hardly anything actually turns off anymore.  Almost everything has a simple...
A post on the SmartMoney web site describes and laments the shift of the "gold standard" credit rating - the one needed to get the best loans - from 680 to 720 as a result of the market crash and economic recession.  To quote the post: "Now, borrowers need at least 720 to get the biggest loans or...
Have you considered making energy improvements to your home as a way of saving money in the long run?  What's holding you back?  Is money the issue? Maybe now is the time to reconsider.  The U.S. Housing and Urban Development (HUD) department along with the Federal Housing Administration (FHA) ha...
Freddie Mac, one of the two GSEs (government-sponsored enterprises) for buying mortgage loans on the secondary market, has published five expectations of the housing market in 2011.  They are: 1. Low mortgage rates. The federal funds rate is expected to stay at its current target range of 0 perce...
Did you know that information about individual property foreclosures in San Jose - and throughout Santa Clara County - is part of the "public record" and is available to anyone asking for it?  Foreclosure recordings include sensitive information such as a homeowner's name and address.  Mortgage l...
The December 2010 edition of my Santa Clara County Real Estate Market Trends Report covering San Jose and surrounding communities is now available.  This report is a wealth of practical and statistical information about the current state of the real estate market in Santa Clara county.  In additi...
Here's a great idea if you are selling a home in San Jose or the surrounding Santa Clara County areas and want to stand out above the other homes on the market.  For just a couple hundred dollars, you can offer home buyers the incentive of providing mortgage protection coverage should they become...
Remember 2008 when the San Jose housing market was really, really bad (as opposed to just being bad now)?  Congress passed the Housing and Economic Recovery Act with incentives for people to buy homes to support economic recovery; a big one being a tax credit for first-time homebuyers.  It was su...

Jeff Spoelstra

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