Bay Agent California

04/18/2025

Open House this Weekend 2-4pm

10/18/2024

Come this weekend and enjoy a trick or treat party! 🎉

10/04/2024

https://youtu.be/Cl2NTZUqvmw?si=3nwgDFnRX90QNjzE

Realtor in Bay Area [email protected] 510 7386448

09/11/2024

09/09/2024

9/9 Mortage Rate

Jumbo:
7years ARM- 5.75%, Apr 5.798%
30 years Fixed - 6.25%, Apr 6.289%

Conforming Rate — 5.875%, Apr 5.927%
Super confirming rate - 6.75%, Apr 6.798%

The Fed will have meeting on 9/18, and they expect to have rate cut few times before the end of this year. If you bought the house in between 12/2023 to 8/2024 , it’s good time to think about refinance .

We can structure the loan that they don’t have to pay for the closing cost , we will use lender credit to cover the cost.

Refinance Rate
Jumbo : 5.875%
Conforming is around 6%
Super conforming : 6.5%

Have an awesome week!

08/24/2024

8/23/2024 NMLS #2422655

30年Fixed，假设信用分不错。

查收入40%首付1M自住房：
5.5 % APR 5.590%
查收入40%首付1M投资房：
5.75% APR 5.868%

查收入大额Jumbo 2M自住房40%首付：5.99% APR 6.037%
Jumbo 是指 Loan amount (不是房屋售价)大约在 114 万以上的情况。

1M房子，不查收入，40%首付，投资：
6.375% APR 6.387% 对房子租售比和提前还款有要求：DSCR ratio = 1 & Prepayment Penalty = 5 年

1M 房子，不查收入，40% 首付，投资，租售比不行 (15年Fixed)：
持有至少5年：7.5% APR 7.5%
持有至少1年：7.75% APR 7.869%

160万房子，贷款还剩 76.6 万，想做no point no fee refinance：
5.99% APR 5.99%

商业贷款买5-29单元公寓，Hard Money救急贷款，H1B,，J1, F1，CPT，B1/外国人，庇护等都有适合的方案。利率随市场变化，随时会变。

08/13/2024

Buy now or buy later? Rate vs housing price comparison

之前利率稍微高一點但是房價相對低等到一降息市場又買家回籠了~~

上週一股票慘崩 週末沒什麼人看房
這週利率掉到5點多又開始很熱鬧了~
市場跟女人心一樣 ✨🤭

08/10/2024

40772 Blacow Rd Fremont 94538
🏠4B 4.5b 2543sf 6000lot
💵 $2,650,000

全新落成奢華獨立屋位於94538 Blacow / S. Sundale

♿️ 主屋無障礙空間設計

🌟12’超挑高🌆天花板增加室內空間感

🌟 多層飄窗🏙️減低噪音📣加強隔熱美觀實用

🖲️ 電動天窗🪟增加室內採光

🌟 全屋智能監控攝影📸家電📺及能源開關 、再也不用擔心出門忘記關爐頭～

🌟 全屋自動消防灑水💦系統

🌟四房五衛每個房間皆有自己的衛浴🛁及步入👣式衣櫃、短租現金流💰潛力無窮

🔥免水箱熱水器提供節能加熱且不佔空間

🔌車庫電車充電座孔標配

🛖 多層耐久屋頂40年以上壽命

🌟 低維護地磚後院 提供休憩空間

👷建商10年保固期限

更多資訊 https://redf.in/UsagNk

手機版影片導覽 https://youtu.be/areM80kHw3A

電腦橫版影片： https://youtu.be/1XRwYU5oLH0

週末1:30-4pm開放參觀 其他時間歡迎私訊🙌

Listed by Pei Chang
510 7386448
[email protected]
Dre 02153532

#地產經紀
#灣區地產
#豪宅

06/20/2024

41445 Timber Creek Terrace
Fremont CA 94539

Coming soon!! Will be listed on Friday 6/21. Open house on 6/22 1:30-3:30pm & 6/23 2-4pm. Professional media & 3D tour available on 6/23.

Mission San Jose High! Proud ownership as only the 2nd owner of the well maintained unit. Brand new dual panel windows and stainless oven/dishwasher. Freshly painted. Low HOA with pool & spa! Smart garage door opener.

費利蒙Mission San Jose 別墅準備閃亮週末登場了！ 三房三廁超大主臥雙水槽化妝間～3D導覽等專業照片週六上線！敬請期待～～現場同步開放參觀！

#學區

06/12/2024

BIG CONGRATULATIONS TO MY SELLER & BUYER !!
Two transactions closed in a single week!
兩個交易在同一週都成交了！！真的是說不出莫名的感動~~ 知道我們家裡發生什麼事的人都會訝異神的豐富供應！ 因為我有一位阿爸天父祂永遠愛著我們~ 永遠不要放棄希望✨即使在您最絕望的時候 🙏🙏🙏

All my hard work have being paid off - I haven't had a single day of vacation since the beginning of this year. Always working weekdays and weekends.

One more listing to come NEXT WEEK and another potential to work on. Keep going before my vacation in July!! Of course, I won't forget about my buyers while I'm away. I get you COVERED!

05/28/2024

Mission San Jose 🎓🏆🏅 Single Family Style 🏡🏘️ Townhome 3B3b Coming Soon!! Low HOA at $300 range with spa & pool🏊‍♂️. Contact me for priority showing⚜️ appointment before hitting the market🌁🏙️

5107386448