December 10, 2008 – 8:07 PM | No Comment

ShareThere are what will seem like over 1,000 details between “I think it’s time to move” and “We’re finally unpacked!”I’ll help you with more of them than any other Realtor.
What are you getting when you …

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Mortgage Interest Rates from Guarantee Mortgage for the week ending 1/29/2010
February 3, 2010 – 10:52 AM | No Comment

Mortgage Interest Rates from Guarantee Mortgage for the week ending 1/29/2010

Rates are still really low!  This is definitely helping some of my buyers get into our  pricey S.F. real estate market.

There is a mortgage calculator below to compare monthly payments based on down payment amounts.

30 Yr Fixed Conforming to $417K 4.750%
“1.000″              POINTS APR = 4.961%

30 Yr Fixed Jumbo to $729,750.      4.875%
“1.250″ POINTS             APR = 5.035%

30 Year Fixed Jumbo to 1 Million      5.875%
“1.250″ POINTS          APR = 6.103%

5 Year Fixed Jumbo to 1 Million        5.125%
“0.000″ POINTS       APR = 5.474%

7 Year Fixed Jumbo to 1 Million      5.500%
“0.500″ POINTS         APR = 5.691%

30 Year Fixed FHA Conforming        5.125%
“0.000″ POINTS         APR = 5.671%

Mortgage Calculator

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  yrs
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Posted by:

Cheryl Bower, Realtor , GRI, ABR
Cell 415.999.3450

cheryl@cbower.com
DRE #: 01505551

Skype: cherylbowersf
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Popularity: 1%

Does anyone know of a S.F. Bay Area lender hiring loan processors? A friend is looking for a new position
February 3, 2010 – 9:42 AM | No Comment
Does anyone know of a S.F. Bay Area lender hiring loan processors?  A friend is looking for a new position

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Does anyone know of a S.F. Bay Area lender hiring loan processors?  A friend is looking for a new loan processor position.
He’s open to working in S.F., the Peninsula/San Mateo County & the East Bay, …

ACTION ALERT- Rally for Condo Conversion Reform/By-pass condo lottery in S.F. on Feb.3rd!
January 28, 2010 – 6:49 PM | No Comment
ACTION ALERT- Rally for Condo Conversion Reform/By-pass condo lottery in S.F. on Feb.3rd!

ShareIn our ever politically divisive city of S.F. especially when it comes to property rights, here is the latest real estate related proposal created in part to generate revenue for the city which has a …

Mortgage Interest Rates from Guarantee Mortgage for the week ending 1/21/2010
January 23, 2010 – 8:54 AM | 2 Comments
Mortgage Interest Rates from Guarantee Mortgage for the week ending 1/21/2010

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Mortgage Interest rates from Guarantee Mortgage for the week ending 1/21/2010:
30 Yr Fixed Conforming to $417K     4.750%
“1.000″ POINTS APR = 4.961%

30 Yr Fixed Jumbo to $729,750. 4.875%
“1.000″ POINTS APR = 4.981%
30 Year Fixed Jumbo to …

Federal Housing Administration to raise fees & lending criteria this Spring
January 21, 2010 – 10:45 AM | No Comment
Federal Housing Administration to raise fees & lending criteria this Spring

ShareLooks like change is underway for FHA loans as the Federal Housing Administration prepares to raise fees this Spring.  It doesn’t look like an exact date is in place at this time.
Currently, the upfront mortgage …

Historical San Francisco, CA footage filmed in 1905 on Market St. from a streetcar
January 18, 2010 – 5:03 PM | No Comment
Historical San Francisco, CA footage filmed in 1905 on Market St. from a streetcar

ShareIf you couldn’t tell by now, I love all things San Francisco especially historical S.F.!
Check out the footage below taken in 1905 on Market Street just before the big 1906 earthquake & fire.  Cool footage …

World’s Worst Job? S.F. sewer inspection that is loaded with roaches & rats!! YUCK!!!
January 17, 2010 – 11:04 AM | No Comment
World’s Worst Job?  S.F. sewer inspection that is loaded with roaches & rats!! YUCK!!!

ShareTake a look at this video excerpt of a San Francisco sewer inspection from the TV show Dirty Jobs.  Mike Rowe had to go down a second time to re-mortar the brick.  I think they …

For Buyers: A few key questions to ask Realtors you are interviewing
January 15, 2010 – 11:08 AM | No Comment
For Buyers: A few key questions to ask Realtors you are interviewing

ShareDon’t you owe it to yourself to take the time to interview 2-3 agents to find your best fit; someone who is going to listen, have relevant and current experience and be your advocate throughout …

A list of agencies helping Haiti’s quake victims provided by Zephyr Real Estate: PLEASE CONTRIBUTE!
January 14, 2010 – 6:29 PM | No Comment
A list of agencies helping Haiti’s quake victims provided by Zephyr Real Estate: PLEASE CONTRIBUTE!

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Here are a list of agencies offering help to quake victims in Haiti as provided by my fantastic company Zephyr Real Estate.
My company doesn’t make it any easier then this to get involved …

California High Speed Rail update-Looks like it’s not the project voters thought it was
January 9, 2010 – 10:04 AM | No Comment
California High Speed Rail update-Looks like it’s not the project voters thought it was

ShareI attended an informative meeting a few Mondays (12/14/09) ago in Burlingame about the High Speed Rail (HSR) project. A big thank you to Ted who coordinated the meeting which drew about 40-50 neigbors.  The …

Wells Fargo interest rates as of 12/30/09
January 4, 2010 – 12:16 PM | No Comment
Wells Fargo interest rates as of 12/30/09

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Wells Fargo interest rates as of 12/30/09:
Conforming up to $417K, assuming 80% LTV and Min FICO 740
5.125% 30 year fixed with 1 point
5.25% 30 year fixed with 0 point
High Limit Conforming up to $729K, …

S.F.’s mandatory recycling & compost program & their non-promoted elevated pick up service
January 1, 2010 – 3:49 PM | 3 Comments
S.F.’s mandatory recycling & compost program & their non-promoted elevated pick up service

ShareSan Francisco has for a long time had an overall great recycling and compost program which recently became mandatory in the city’s effort to further increase the recycling rate from 72% to 90%.
It wasn’t …

S.F. Citywide Market Trends for Condos, Lofts, Coops & TICs 2008 vs. 2009-have we hit bottom?
December 29, 2009 – 6:58 PM | 2 Comments
S.F. Citywide Market Trends for Condos, Lofts, Coops & TICs 2008 vs. 2009-have we hit bottom?

ShareAnd here are the S.F. citywide market trends for condos, coops (the few that we have) and lofts. TIC data is included in reports separate from condos.
I thought it would be interesting to see what, …

S.F. Citywide Market Trends for single family homes 2008 vs. 2009-have we hit bottom?
December 29, 2009 – 6:10 PM | No Comment
S.F. Citywide Market Trends for single family homes 2008 vs. 2009-have we hit bottom?

ShareBelow are charts showing S.F. citywide market trends just for single family homes 2008 vs. 2009.   The data shows median sales price is up, sales volume is up, properties under contract is up by …

CrimeReports has released free iPhone App for neighborhood crime mapping data
December 26, 2009 – 1:38 PM | No Comment
CrimeReports has released free iPhone App for neighborhood crime mapping data

ShareYeah!!!  Here is a cool new CrimeReports app for the iPhone which allows one to research crimes in particular neighborhoods.
One of the top questions I get from my buyer clients is how safe a neighborhood …

For Buyers: The importance of meeting neighbors when you are in contract on a property
December 24, 2009 – 11:31 AM | No Comment
For Buyers:  The importance of meeting neighbors when you are in contract on a property

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This detail is touched on  in my post: A few key questions to ask Realtors you are interviewing (11. How will you negotiate the best price for me?)

As part of the due diligence process of …