lee ginsburg: Are They Comaring Apples to Apples - 08/19/09 11:50 PM
When you and I purchase a new computer we compare the memory, the speed, the screen size: does it come with a camera, DVD player/recorder and more. A home the largest purchase most of us will ever make often is not reviewed with such detail by the people doing the lending … (0 comments)
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lee ginsburg: Buyer's Market??? - 07/20/09 12:45 AM
Buyer's Market? You bet it is. I will be speaking about the low end of each market area. On the Peninsula and San Francisco we talk about Single Family homes priced under $700,000. In the East Bay it is below $400,000. Buyer's Market yes but not in the traditional way. Today's … (0 comments)
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lee ginsburg: What Shall it Be? Loan Modificaiton? Short Sale? Foreclosure? - 06/16/09 02:27 AM
You are among the millions underwater and over stressed. What shall you do.
Your credit will be most negatively affected with a Foreclosure, then a short sale. As long as you stay current on your loan, loan modification should not affect your credit. Your credit score weather it is right … (0 comments)
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lee ginsburg: Old School Pricing Is Out and Price It Right Is In - 05/25/09 12:38 AM
Many sellers are determined to set their listing price higher than they are willing to accept so they have room to negotiate. With the New Millennium buyers they unfortunately will not get any offers. Today's buyers are more educated than any others. The internet gives the buyers the opportunity to research … (0 comments)
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lee ginsburg: One Buyer's Loss is Another Buyer's Second Chance - 05/06/09 02:01 PM
30% of Real Estate Deals Don't Go Thru. Maybe it is more, maybe it is less, but that is a pretty good estimate. So what does that mean to buyers and their agents? It means the property you lost out to in multiple offers or just because someone was faster than … (0 comments)
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lee ginsburg: Every Negative Has a Positive!!! - 03/26/09 09:15 PM
Every Negative Has a PositivePositives of This Economy
•1. Bay Area Housing Affordability has gone from 16% to 38%
•2. Debt of Americans is Decreasing.
•3. A Large Increase in People Volunteering.
•4. A Large increase in Military Enrollment.
•5. First Time Home Buyers can get an $8000 Tax Credit.
•6. … (0 comments)
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lee ginsburg: Top 10 Reasons to Purchase Bay Area Real Estate - 03/02/09 12:39 AM
Top 10 Reasons to Purchase Bay Area Real Estate in Today's Market
•1. Interest Rates are near 40 year lows. You can lock in your housing costs for the next 30 years if you buy not if you rent.
•2. Property Values are at 5 year lows. Some areas have … (0 comments)
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lee ginsburg: Housing Stimulus Package -An Open Letter to Poloiticians - 02/09/09 09:46 PM
To Congress Woman Jackie Spier, Senator Diane Feinstein, and Senator Boxer
I am a local realtor specializing in San Mateo and San Francisco Counties Real Estate. I do not think the $15,000 Home Buyer Tax Credit in Economic Stimulus Package is making best use of the tax payers money.
… (0 comments)
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lee ginsburg: Help Children Buy A Home? Loan, Gift or Partner? - 01/08/09 11:19 PM
As parents we all love our children and only want to help them. In the Bay Area parents almost have to help with a down payment. Do you give your children a gift or a loan? Is it better to be a co-borrower with them? Maybe be partners. If you help … (0 comments)
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lee ginsburg: Learning to Budget! Kudos To the Teacher!!! - 12/27/08 04:16 PM
As many of you are aware my Prudential office in San Bruno, Ca. is the largest single independent Prudential office in the country. We are very progressive and have kiosk is several of the regional malls in the area. As I had my shift just before the holidays, a young boy, … (3 comments)
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lee ginsburg: Bay Area Real Estate - "The Perfect Storm" - 12/10/08 07:22 PM
Perfect Storm = Low Interest Rates, Low Prices, and Lower Inventory. We have all the ingredients.
If you have been waiting for prices to stabilize you are on the cusp of being late.
Homes in Daly City, San Bruno, San Mateo, San Francisco and South San Francisco are selling. To keep … (0 comments)
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lee ginsburg: Offer Prices - 11/13/08 10:53 PM
I have several buyers very confused. They offered the asking price for a Daly City home but were outbid by $50,000. This is not supposed to happen in a buyer's market. The low price is a marketing tool and not a realistic list price. I explained before making a purchase offer, … (2 comments)
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lee ginsburg: HOA Dues: Junk Fees or Good Budgeting - 10/16/08 11:23 PM
Many people are under the belief that paying the HOA Dues is like throwing money out the window. I am not sure so let's review the costs of Home Ownership that is covered under the HOA Dues.
The following costs are approximate present day costs for a 1200 square foot home and … (0 comments)
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