realtor
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Mortgage Points: What They Are and When They Make Sense
When shopping for a mortgage, you may come across the term “mortgage points.” While it may sound like credit card rewards or a game score, mortgage points are actually a powerful financial tool that can save (or cost) you thousands, depending on your situation. In this post, we’ll discuss what mortgage points are, when buying…
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Bay Area Home Buyers: New $200k Down Payment Assistance
If you’ve been dreaming of owning a home in the Bay Area but keep hitting a wall when saving for a down payment, there’s some good news on the horizon. A new down payment assistance program is making it a little easier for first-time buyers to literally get their foot in the door. What’s the…
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How Much Down Payment Do You Really Need to Buy a Home?
Buying a home is one of the biggest financial decisions you’ll make—and for many people, the most intimidating part is the down payment. You’ve probably heard the old rule that you need to put down 20%. But is that really true? Not exactly. The good news is, there are several types of home loans that…
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Let’s break down PMI and MIP
If you’re looking to buy a home, you’ve probably come across the terms PMI (Private Mortgage Insurance) and MIP (Mortgage Insurance Premium). These are important costs to understand, as they can significantly impact your monthly mortgage payment. Let’s break down what PMI and MIP are, when they apply, and how you can minimize or avoid…
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New Construction vs. Older Homes: Which is Better for Bay Area Buyers?
The San Francisco Bay Area is one of the most competitive and dynamic real estate markets in the country. If you’re looking to buy a home, you may find yourself debating between purchasing a brand-new construction home or an older, more established property. Both options have distinct advantages and potential drawbacks. Here’s a closer look…

