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The value of homes will continue to rise until you run out of people willing to pay more. Then it will fall until there are enough buyers to sustain the price. While our local real estate market seems to have a very good foundation with inflows of workers and cash from around the world into an area that refuses to build enough housing to accommodate the need, there are factors that can change it at any time. With the tech industry based here, the natural beauty, the proximity to great outdoor activities, and the great weather, I feel very strongly about the long term upside of owning property in San Francisco.... more
It would depend on a number of factors but one thing to keep in mind would be zoning as that will dictate what development is possible for the lot.
I would recommend consulting with an architect to fully understand the development potential and maximize your investment.
If you would like a referral please let me know.
Don't get an agent until you have spoken with Mortgage Broker(s) to get an idea of how much you can afford to purchase....Actually, your comfort level is the most important. If you can afford $1,000,000 but your comfort level is $750,000, then only look at properties around your comfort level. In San Francisco, most properties are selling over asking. You need to take that into consideration. When you choose a realtor, she can help you!
Then talk to a couple of agents. Find out how she/he does business and choose to work with the Agent who you feel can do the best job.
You are welcome to go to my website www.sallyrosenman.com and look under Mortgage Brokers for some excellent ones. Tim Wood and Ephraim Schwartz are good ones to use. If I can assist in any other way, please contact me.
We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here's some simple advice for you.
It is unlikely you could be approved for mortgage financing with that credit score at this time.
Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.
First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.
Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE.
The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.
The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.
*If you thought my answer was helpful, please give me a â€œThumbs Upâ€ or â€œBest Answer.â€ Thanks!... more
In addition to what my colleagues have said below. Another consideration you might want to include is that your agent will have a good network of clients and contacts both within their own office and among their own clients. After all, real estate is relationship business â€” a referral of a trusted contact may be worth the extra premium a landlord would pay. In addition, in markets like San Francisco, there is a thicket of fair housing laws to follow. Agents should have expertise in this as well. On both counts as you can see that risk is reduced.... more
Street parking in Russian Hill is horrific...I strongly suggest getting a parking spot in a nearby garage as it will save you a half-hour circling Russian Hill to find parking each night after work!... more