Patricia M. Smith - Real Estate Information

06/14/2024

Beautiful 2 bedroom 2 baths in gated community townhouse includes remodeled kitchen and bathroom with private backyard. It has many updates.

06/14/2024

03/23/2022

Up to $1.5mil
loan amount with only
3.5% down payment
This is Brand New and truly Amazing!

Simple Requirements
- for both purchase or rate/term refinance
- min. 760 FICO
- no mortgage insurance
- primary residence only

Get approved Today!
(619) 861-7126 or (619) 203-5811
Email: [email protected]



Serving the State of California.
www.mycalifornialoan.com
Office: (619) 398-3500
E-Fax: (619) 245-2347
NMLS236176 BRE01370625

03/23/2022

Communities in the Bay Area.
https://reliancepartnersre.com/community-videos

03/02/2021

New Information about Prop 19 effective 4-1-21

If you are one of the tens of thousands of Californians whose family home has been destroyed or substantially damaged by wildfire, here’s some good news — Prop 19 lets you move to a new home without incurring a tax hike.

11/06/2019

I can help you buy/sell real estate anywhere in the US.
You will get personalized service with optimized results.

07/26/2019

Finding Fixer Upper Homes for Sale: Can You Afford the Renovations?

When considering the purchase of a fixer upper home, it’s important to evaluate how much time and money you will have to spend on renovations. It’s often the case that houses needing a lot of TLC are available at rock bottom prices. However, this can mean excessive costs when it’s time for renovations. Here are a few things to consider before taking the leap.
How much work can you do?

Determine how much of the work you are willing and able to do. If you’re a master at hanging drywall and your significant other has a knack for plumbing, it’s very possible to save big. This could be the difference between an inexpensive property that needs a great deal of work, but is ultimately within your budget after renovations, and one that is not.

Keep in mind when deciding which work you’ll do yourself that safety is key. Anything that you don’t truly

07/26/2019

Must Haves and Nice to Haves

Let's be realistic—there are no perfect homes. You are ultimately responsible for deciding what the essential features are that you require. Here are a few questions to consider so that you can start compiling your wish list:

What type of home interests you? (Single family, townhouse, condo, duplex)

Are schools a factor?

Do you need to be close to public transportation?

How many bedrooms and bathrooms do you need? How many do you want?

What other interior features are important to you? (Separate family room, formal dining room, home office, etc.)

What about exterior features? Have you considered a garage, yard size, patio/deck, hot tub, view, or waterfront?

Are there any special features you are looking for in a home?

07/22/2019

How much home
Can I really afford?



When you start thinking about buying your first home the first question on your mind is typically "how much home can I really afford?"

The good news is that in today's market place, if you can afford rent, you can probably afford to buy a home. The mortgage you can qualify for depends on many factors, including your target monthly payment, annual income, and down payment amount. You'll also need to consider any existing debts you have whenever you're considering buying.

I'd be happy to talk to you about your personal situation and help you evaluate how much home you can afford based on your personal circumstances.

Give me a call today.

07/22/2019

Do you wish your life were a little more predictable?

In today's rental market finding an affordable place to live can be really tough. And just because you find a place that doesn't break the bank this year doesn't mean your rent won't go up once your lease is up.

When you buy your own home, you can protect yourself from an out-of-control housing market and stabilize your cost of living. No more rent hikes. No more frantic searches for a decent place to live in your favorite neighborhood.

It's a battle you don't have to fight anymore.

05/10/2019

Have a Happy Mother’s Day!

GIVING YOU PERSONALIZED SERVICE & OPTIMIZED RESULTS

Bay Area Homes Sales Remain Sluggish in March as Median Sale Price Inches Below A Year Earlier; For the Fourth Consecutive Month Sales Were the Lowest for That Month in 11 Years

The median price paid for all homes sold in San Francisco Bay Area in March 2019 was $830,000, up 7.8 percent from $770,000 in February 2019 and down 0.1 percent from $831,000 in March 2018. The annual decline for the March 2019 median marked the first year-over-year decrease since March 2012, when the median dipped 0.6 percent. Before March 2019, the median sales price had risen year-over-year for 83 consecutive months (since April 2012). Both May and June 2018 had the highest ever median sale price $875,000.
“The tiny, year-over-year decline-0.1 percent – in the Bay Area’s overall median sale price last month marked the first such decrease in seven years. It reflects a trend that begun in mid-2018 when home sales slowed and inventory grew, forcing sellers to be more competitive, “LePage said. “The year-over-year increase in the region’s median sale price was 16.2 percent in March last year. But after that, the gains in median gradually decreased each month and fell to 2 to 3 percent range early this year and then disappeared this March. Combined with other data, this suggests home prices in March were about the same as 2018 and in some cases were up of down a bit, depending on the area. Of the region’s nine counties, three of them Marin, Santa Clara and Sonoma-posted annual declines last month in their overall median sale prices, while one (San Mateo) experienced no change and the rest had gains from 0.4 to 5.3 percent.”

The competition is heating up and will get hotter in the next few months.

10/18/2018

I am looking forward to helping you with your real estate needs. I will give you personalized service with optimized results.
The Federal Government stopped buying back mortgage backed securities. This allows interest rates to increase even more. Interest rates will increase at least 4 more times within the next 12 months. The 30 year fixed rate today is 5%. Housing appreciation is slowing down. Feel free to contact me any time with questions. Interest rates will increase at least 4 more times within the next 12 months. The 30 year fixed rate today is 5%. Housing appreciation is slowing down.

I hope you and your family are doing well.

Feel free to contact me any time with questions.

Have a blessed day!