Oil was way up this morning, as were gold prices – and I was very worried about the ceasefire collapsing! But… oil prices just fell again, suggesting that something is signaling to oil traders...
Per our client’s agent, there were 22 offers – and our client’s $1,150,000 offer was not even in the running. So, we’re assuming the home sold for close to $1,200,000, but we won’t know...
On Friday of last week, JVM sent commandos into all of CrossCountry Mortgage’s offices in the SF Bay Area. The raid was very successful, as we shut down all of CrossCountry’s Bay Area...
San Antonio's housing market in 2026 is about as buyer-friendly as it has been in years. Inventory is up, homes are sitting longer, and sellers are offering concessions that were not on the table 12...
This is a reminder that appraisal contingencies and/or proof of funds to cover appraisal shortfalls are unnecessary with large down payments. This is because lenders can easily shift financing from...
Oil prices – which have been sparking inflation fears and driving rates higher – rose again over the weekend. But rates fell sharply today in the face of rising oil prices. Rates fell because the...
San Francisco's housing market in 2026 is really two markets running side by side. Single-family homes are selling in two weeks, going for 10 to 15 percent above asking, with inventory near historic...
If you are buying a single-family home in San Francisco, a jumbo loan is not a specialty product you might need. It is almost certainly the product you will use. With the median sale price sitting...
San Francisco is one of the most rewarding places to own a home, and one of the most complex places to buy one. Prices are high, inventory is tight, and […]
There are companies in college towns that make their money by renting apartments to college kids and keeping their security deposits when the kids move out – no matter what. It is an incredibly...
Getting pre-approved for a mortgage when part of your pay comes from RSUs is not complicated, but it is different from a standard application. There are more documents involved, more steps to verify,...
This is something I thought I’d never see in this rate environment! Our extremely well-qualified buyers are repeatedly getting outbid in multiple-offer situations in the SF Bay Area – with as...
Most tech employees know their RSU income should count toward a mortgage. What they do not know is exactly how lenders calculate it, and the method matters a lot. The number your lender uses is not...
If your bank told you your RSU income does not count toward a mortgage, there is a good chance they were wrong or just did not know how to handle it. RSU income absolutely can be used to qualify, but...
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