Bay Agent California

Open House this Weekend 2-4pm

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

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

加州不動產生前信託 California Real Estate in Revocable Living Trust Realtor in Bay Area [email protected] 510 7386448

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!

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。

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 ✨🤭

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

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