Luis Estrada

Luis Estrada I offer you my experience in the Mortgage and Real Estate Industry to ensure that you will transact

Trying to make sense of the housing market this summer? Watch these three numbers. 📊 ⁣ ⁣1. Rates — the 30-year fixed is ...
08/04/2026

Trying to make sense of the housing market this summer? Watch these three numbers. 📊 ⁣
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1. Rates — the 30-year fixed is hovering in the mid-6% range, and most forecasters expect it to drift slightly lower through 2026. ⁣
2. Inventory — about 4.5 months of supply, the most balanced it's been in years. More homes means more choice and less pressure. ⁣
3. Prices — largely flat nationally for 2026, so you're not chasing a runaway market. ⁣
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Put together, it's a calmer, more balanced market than the past few years — which tends to favor prepared buyers who know their budget. ⁣
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Call/text/email us at (408) 540-8306 or [email protected] if you have questions.

07/30/2026

If you're hoping to be settled before the new school year, summer is your window — and the calendar moves faster than most families expect. 📦 ⁣
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A rough timeline that keeps things low-stress: ⁣
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- Now–early summer: Get pre-approved and start touring. Knowing your budget first makes every other step easier. ⁣
- Mid-summer: Have your offer in and inspection done. Closings often take 30–45 days, so this is the sweet spot for an August move. ⁣
- Late summer: Closing, movers, utilities, and address changes — with a little breathing room before the first day of school. ⁣
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The families who start early get the most choice and the least stress. Leaving it to the last minute usually means rushing the biggest decision of the year. ⁣
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Call/text/email us at (408) 540-8306 or [email protected] if you have questions.

Summer edition 🏊 Would you rather… ⁣ ⁣🅰️ A home WITH a pool — instant staycation, great for entertaining, but more maint...
07/28/2026

Summer edition 🏊 Would you rather… ⁣
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🅰️ A home WITH a pool — instant staycation, great for entertaining, but more maintenance, insurance, and cost. ⁣
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🅱️ A home WITHOUT a pool — lower upkeep, more usable yard, and budget freed up for other priorities. ⁣
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There's no wrong answer — it comes down to how you'd actually live in space. A pool is a dream for one family and a deal-breaker for another (and it doesn't always add the resale value people expect). ⁣
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Drop your pick — 🅰️ or 🅱️ — and tell us why 👇 ⁣
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Let us know in the comments.

07/23/2026

When the temperature climbs, so do your utility bills — but a few small moves now can keep your home comfortable and your costs down all summer. ☀️ ⁣
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A handful of things make the biggest difference: ⁣
- Change your AC filter and book a quick tune-up — a clean system runs cheaper and lasts longer. ⁣
- Run ceiling fans counter-clockwise so you can nudge the thermostat up a couple degrees without noticing. ⁣
- Seal the easy leaks — weatherstrip doors and add a door sweep so you're not cooling the outdoors. ⁣
- Close blinds on the sunny side during the day; it's a free way to cut the heat load. ⁣
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None of these take much time or money, but together they can save a real amount off your summer bills — and they keep big systems like your AC healthier for the long run. ⁣
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Call/text/email us at (408) 540-8306 or [email protected] if you have questions.

07/21/2026

The simplest ask in any home purchase is also the one buyers forget most: what physically stays with the house? 🏡 ⁣
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A lot is negotiable — appliances, window treatments, the mounted TVs, the washer and dryer, sometimes even furniture. The law draws a line between fixtures (generally included) and personal property (generally not), and that line is exactly where a quick ask can pay off. ⁣
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One rule above all: get every extra written into the contract. A friendly "sure, we'll leave the fridge" means nothing if it isn't on paper. And if there's something you want — ask. The worst answer you'll get is no. ⁣
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Read the full article: https://luismaestrada.com/what-you-can-negotiate-in-a-home-purchase-that-most-buyers-dont-realize/

The highest offer doesn't always win. Sometimes the most flexible one does. ⏳ ⁣ ⁣To a seller, time can be worth as much ...
07/16/2026

The highest offer doesn't always win. Sometimes the most flexible one does. ⏳ ⁣
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To a seller, time can be worth as much as money. If they need a few extra weeks before they move, offering a rent-back can make your offer the one they accept — even over a higher bid. If they need to close fast and you can deliver, that's leverage too. ⁣
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That's the trade: give the seller the timeline they need, and you'll often get the terms you want in return — the closing date, the possession date, the contingencies, even how your earnest money is structured. None of it costs you a dollar more. ⁣
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Read the full article: https://luismaestrada.com/what-you-can-negotiate-in-a-home-purchase-that-most-buyers-dont-realize/

What if the home inspection wasn't just a hurdle to clear — but a second chance to negotiate? 🔍 ⁣ ⁣That's exactly what i...
07/14/2026

What if the home inspection wasn't just a hurdle to clear — but a second chance to negotiate? 🔍 ⁣
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That's exactly what it is. Almost any inspection turns up something worth addressing, and when it does, you've got options: ask the seller to make the repairs, or take a credit and handle the work yourself. The credit is often the cleaner win — you control the contractor, the timeline, and the quality. ⁣
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Focus on what actually matters — health, safety, and big-ticket systems like the roof, HVAC, and foundation — and treat the report as a planning tool, not just a bargaining chip. ⁣
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Read the full article: https://luismaestrada.com/what-you-can-negotiate-in-a-home-purchase-that-most-buyers-dont-realize/

Here's a number most buyers don't know: about 44% of sellers recently gave buyers a concession — close to the highest sh...
07/09/2026

Here's a number most buyers don't know: about 44% of sellers recently gave buyers a concession — close to the highest share on record. 💰 ⁣
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A concession is money the seller credits toward your closing costs instead of cutting the price, which lowers the cash you bring on closing day. There's another lever too: a rate buydown, where the seller pays to lower your mortgage rate. Take $10,000 off the price and your payment barely moves — put that same $10,000 toward your rate and you feel it every month. ⁣
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Same money out of the seller's pocket. A much bigger result in yours. ⁣
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Read the full article: https://luismaestrada.com/what-you-can-negotiate-in-a-home-purchase-that-most-buyers-dont-realize/

07/07/2026

Most buyers think negotiating a Silicon Valley home comes down to one number: the list price. In reality, that's only a fraction of what's actually on the table. 🏡 ⁣
While the South Bay remains incredibly resilient, the market has shifted. Right now, roughly 27% to 28% of San Jose homes are selling below their original list price—giving buyers a level of leverage we haven't seen in years. ⁣
With local median prices around $1.45M, the biggest financial wins right now aren't just in shaving a bit off the price. They are found in the terms underneath the contract: ⁣
💰 Seller Credits & Fee Shifts: Getting the seller to cover your closing costs (which average 2–4% here). In San Jose, you can also strategically negotiate who covers the specific $3.30 per $1,000 city transfer tax to keep cash in your pocket. ⁣
📉 Rate Buydowns: Asking the seller to buy down your mortgage interest rate. At South Bay loan amounts, a seller credit applied to a rate buydown saves you hundreds more every month than a standard flat price cut. ⁣
🛠️ Inspection Credits: Securing a dollar-for-dollar credit based on the pre-sale reports so you can control the contractors and the timeline after close, rather than relying on a rushed seller fix. ⁣
📆 The "Free" Levers: Offering a flexible seller rent-back (30–60 days) to match their moving timeline. Cooperating on time is often the exact leverage you need to get the financial concessions you want. ⁣
The buyers who come out ahead in this market aren't just the ones who push hardest on price. They’re the ones who know exactly which levers to pull. ⁣
If you're looking to buy in the South Bay this season, let’s map out a strategy that protects your cash and lowers your monthly payment before we ever write an offer. DM me to chat! ⁣
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Read the full article: https://luismaestrada.com/what-you-can-negotiate-in-a-home-purchase-that-most-buyers-dont-realize/

07/04/2026

Celebrating freedom, gratitude, and the true meaning of "home" this 4th of July!❤️

Looking back on this Spring season, my heart is incredibly full. Real estate is about so much more than transactions; it’s about community, faith, and family. This season, I was blessed with two unforgettable opportunities:

🏡 Helping long-time, dear friends The Rodriguez purchase their beautiful new home.
🙏 Assisting The Dominican Sisters of Mary Immaculate Province in securing their new "St. Pier Giorgio Frassati Convent" in San Jose.

As usual, this summer, I would love to continue this momentum and help you or someone you know with their real estate needs. Please let me know who I can help achieve their goals next! ✨

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2110 Story Road
San Jose, CA
95122

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