With inventory levels low in San Francisco, this posting highlights strategies for you to "Buy Smart".

• Keep 5-9 months of living expenses liquid (easy to access cash).
• Put at least 25% down.
• Stay in your home at least 5 years to solidify your potential appreciation.
• Use an interest only loan when you plan to stay in a property less than 3 years.
• Have your agent negotiate effectively on your behalf with realistic expectations.
• And of course, get the lowest interest rate possible.

These are but a few simple guidelines when buying a home. If you want a deal and are timing the market then be ready to make a deal this March or April.

For more information: email me at kglidewell@pacunion.com or visit my website at: http://www.KenGlidewell.com