downtown san jose high rise: What Is a Negotiated Debt Settlement? - 01/05/22 11:04 AM
What Is a Negotiated Debt Settlement? If you’re buried by credit card debt, a negotiated debt settlement with your creditor may be worth checking into. Negotiated debt settlement is a general term for discharging debt in a way that appeals to the credit card holder and the card’s issuer.
It’s best to negotiate from a position of strength by not having submitted late payments or having missed them, which can cause a credit score to fall. If that happens, cardholders will likely have a harder time getting concessions in a negotiated debt settlement. Instead, they should start talking to their creditor … (1 comments)

downtown san jose high rise: 5 Ways to Trick Yourself Into Saving Money - 01/03/22 11:16 AM
5 Ways to Trick Yourself Into Saving Money The savings rate in America is pretty abysmal. Fifty-seven percent of Americans have less than $1,000 in their savings accounts, according to a 2017 GOBanking Rates survey.
Without savings, people can be forced to take on debt when they lose their job, get sick or have major car repairs. Fortunately, there are some easy ways to trick yourself into saving money, whether for retirement, college, a new car, vacation or a rainy day. Here are five:
Automatic Transfers
Having money automatically moved from your paycheck to a retirement account, or from your checking account … (0 comments)

downtown san jose high rise: A Happy Tail: Pets and the Homebuying Process - 12/30/21 09:56 PM
A Happy Tail: Pets and the Homebuying Process Some Highlights
It’s no secret that we love our furry friends – about 70% of U.S. householdshave pets. What may come as a surprise is how large a role they play in the homebuying process. Americans spend$1,163 a year on their pets, and nearly half of pet owners say they would move for better accommodations and amenities for their pets. If you’re thinking of adding a furry friend, or if you already have, let’s connect to discuss how you can find a home that meets all your pet’s needs.  
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downtown san jose high rise: One Man’s Very Dark Vision: $250K All-Black Home in Illinois - 12/29/21 07:57 PM
distinctive home in central Illinois began its journey into darkness with a black roof.
“Once the roof was done, I could envision how the house would be with black siding. Once that went on, it all made sense in my mind. I knew everything was going to be black, top to bottom, inside and out,” says the owner and listing agent, Seth Goodman. “It works really well. When you see the house in person, it’s a totally different feel than the pictures really show.”
What the pictures show is an all-black, two-bedroom residence in Lincoln, IL, that looks like a Goth … (2 comments)

downtown san jose high rise: When a House Becomes a Home - 12/29/21 06:36 PM
It’s clear that owning a home makes financial sense. But lately, the emotional side of what drives homeownership is becoming increasingly important.
No matter the living space, the feeling of a home means different things to different people. Whether it’s a familiar scent or a favorite chair, the feel-good connections to our own homes can be more important to us than the financial ones. Here are some of the reasons why.
1. Owning your home is an accomplishment worth celebratingYou’ve put in a lot of work to achieve the dream of homeownership, and whether it’s your first home or your fifth, congratulations are in order for this … (0 comments)

downtown san jose high rise: The Perks of Putting 20% Down on a Home - 12/22/21 06:28 PM
If you’re thinking of buying a home, you’re probably wondering what you need to save for your down payment. Is it 20% of the purchase price, or could you put down less? While there are lower down payment programs available that allow qualified buyers to put down as little as 3.5%, it’s important to understand the many perks that come with a 20% down payment. Here are four reasons why putting 20% down may be a great option if it works within your budget.1. Your Interest Rate May Be LowerA 20% down payment vs. a 3-5% down payment shows your lender you’re more … (2 comments)

downtown san jose high rise: Zillow stopped flipping homes after scooping up thousands of homes! - 11/02/21 09:52 PM
Zillow just stopped flipping homes after scooping up thousands of properties over three years. Here's what happened.
 
If you've been paying attention to real-estate news lately, you may be asking yourself some version of this question: What the heck is happening at Zillow? 
 
The news is the latest in an abrupt turn of fortune for the Seattle-based company's iBuying service. The move is sure to have ripple effects for housing markets across the U.S., as Zillow has purchased thousands of homes through its Zillow Offers program.
 
After two tumultuous weeks — during which an Insider analysis revealed that of the nearly 1,000 homes Zillow … (4 comments)

downtown san jose high rise: How about Nightmare on Elm Street? Would you live there? - 10/26/21 10:51 PM
Count down to Halloween! How about Nightmare on Elm Street? Would you live there? You are at luck! It's on the market at $3.25 Mil! What ever you do, enjoy just DON'T FALL ASLEEP! Full article compliments to realtors.com below👇https://www.realtor.com/news/unique-homes/nightmare-on-elm-street-house-los-angeles-for-sale/?identityID=61578d0d283970011d458028&MID=2021_1026_NL_Multi_Article&RID=25314647002&cid=eml_promo_Marketing_NonPRSL__cons.13637602_2021_1026_NL_Multi_Article-article2-UniqueHomes  … (4 comments)

downtown san jose high rise: Knowledge Is Power When It Comes to Appraisals and Inspections! - 10/26/21 02:14 PM
Lenders typically require an appraisal to ensure that your loan-to-value ratio falls within their underwriting guidelines. Mortgages are secured loans where the lender uses your home as collateral in case you default on the agreed-upon payments. Put simply: when you apply for a mortgage, an unbiased appraisal – typically required by your lender – is the best way to verify the value of the home. That appraisal ensures the lender doesn’t loan you more than what the home is worth. What about inspections? Home inspections are the opportunity to discover major defects that were not apparent at a buyer’s showing. . … (0 comments)

downtown san jose high rise: It's never been better!!! Buying or selling your home? - 10/07/21 03:27 PM
Inventory in Downtown SJ is on continuous decline since July. We peaked at 1,057 single family homes and 583 condos/townhomes for Santa Clara county. Downtown has 59 units for sale today and about half of them are on the market longer than 30 days so expect your home to sit on the market little longer than used to. If you have any questions let me know or register for our free Thursday market update or request free online Q&A! See week by week inventory update! www.HomesearchOnMLS.com   … (1 comments)