Michael Hocking Homes - Golden Gate Sotheby's Internation Realty

12/15/2025

For years, buying a home meant hitting a 620 credit score. That rule is officially changing.

Lenders can now use new credit models that look at how you actually pay bills — not just one number.

💡 This could open doors for millions of buyers.
⚠️ Credit still matters for rates and costs.

Thinking about buying? Let’s look at the full picture. 📩 DM me “HOME” and I’ll help you understand what lenders are looking at now.

HomeLoan RentersToOwners

10/30/2025

House of the Day! A perfect Spanish Revival with details like hand hewn beams, elegant arches and period tile, make this an exceptional opportunity. Contact me for additional details. 5/bed/4.5 baths $3.25m.

05/21/2025

This snapshot gives you an understanding of the overall market within these four zipcodes. Compared to January-April, there's an obvious reduction in number of listings. Noteworthy: *Listings go pending within 2-3wks *Most sales are conventional loans Please reach out to me if you have any additional questions.

04/21/2025

Broker’s Tour today, 10am — 1pm. 861 20th Street, Oakland. Don’t miss this opportunity to view this sweet Queen Anne Victorian. 4 bedrooms, 2 baths, 1,696 sq.ft., plus a sizable renovated basement with conforming ceilings, and a new foundation. Enjoy the thoughtfully designed garden paradise in back.
Transparently priced at $779K. Bring your clients.

01/11/2024

Don’t miss this Brown Shingle gem in the Claremont Hills. A very spacious 4/2 2,754 sq.ft. huddled in a pristine wooded setting. Just 7 minute drive to La Fournée Bakery (my favorite)! $1.490m.

11/08/2023

07/28/2023

This morning’s bed head - 6am. Sometimes I prefer the unedited, unscripted, and spontaneous selfie.

07/23/2023

1228 Hopkins St….FIXER !!! in the amazing Westbrae District of Berkeley. Bring your contractor. It’s a 3/2 zoned as a duplex..

OPEN TODAY 2-4:30pm. Don’t miss out on this extraordinary potential.

07/11/2023

Natural AC. Though the fog can be chilly if you’re not prepared, I am infinitely grateful to have it, especially in light of the scorching temperatures around the country. I rather put on a coat than live 24/7 with the AC running.

06/29/2023

Couldn’t resist taking Zadie to Crissy Field on our way back from errands in SF.
.zadie

06/29/2023

Running errands in San Francisco. Couldn’t resist taking Zadie to Crissy Field on the way back.

06/06/2023

When I was a kid, all through high school,
I lived here. I just renewed my library card and then checked out 4 books - sorry amazon😁👍
Had an amazing Eqyptian wrap afterwards at Razan’ Organic kitchen. It exceeded my expectations - so amazing!! All in all, a great Berkeley experience.