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BAY AREA NEWS 

REAL ESTATE BAY AREA AND BUYING PROCESS

5/30/2019

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Big lenders vs Mortgage brokers San Francisco, tri cities and Silicon Valley

5/16/2019

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Most people don't know where else to get money for a home unless it's a big bank and very few people know mortgage brokers. Let me help you understand the difference. Now first with the big banks… they have certain limits that they can lend as far as pricing goes, and loan programs available that's why you see one bank have different rate than the other and you wonder why. Well i'm not a fan of big banks so i say who really cares. Now you have two types of brokerages- 1. A brokerage that dumps a lot of money into marketing so they will pop up on some big loan search engine but you'll pay for that marketing dollar they spent and who knows where they are. 2. Now i am a little biased because i'm a local lender and i prefer to see my clients (a little old school i guess) but i get to keep cost low, charge less (most of the time) since we don't have huge marketing money to spend, and i get to do the same thing by shopping most wholesalers to see what the best pricing will be. I'm a firm believer that if i take care of you then hopefully i get to be lucky to do your loan, your kids loans and there kids loans. ​
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Work where you love and live where you work. Why it's important to live close to where you work in the bay area.

5/9/2019

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Now according to the traffic within the past ten years, the bay area and silicon valley area has had traffic increase like no other. The dreaded commute has taken a toll on all of us. Now we know financial limitations, family size will limit where we live but when working and communicating it comes to a point to know what you can do with and what you can do without. Now i've lived in southern california and northern california and i can tell you that the traffic in the bay area has come equal to southern california if not surpassed it. Who wants to really add 2-3 hours of commute along with their work day? I don’t.  Now when looking for a house these are our top suggestions.
Know exactly what size home and or condo you need. Most times bigger is not always better. Floor plans make a big difference and pay close attention to where most of the family hangs out the most and then pinpoint those areas when shopping around. Make the drive from from where you are looking to move and make sure to get calculate the amount of time you'll be in traffic. This will allow you to see if you can actually tolerate the commute. Worst thing in the world is to buy a property and then realize that the drive is taking a toll on you and making you a grump when you get home. What amenities are you looking for and what you just can't do without. Most of the time the most important features most people end up looking for are attached garage (very important on rainy days), open floor plan for the kitchen to living room (if you're anything like my family then you know we always stay close to the kitchen and the tv), washer dryer hookups, central heat and air. Location, location, location. Now this is important to most people because the location of your property will determine almost every aspect of your life. Socially, family, relative location to your job. Sacrificing a few things will definitely be worth if you have to just to make sure your quality of life does not diminish. Now with all of our suggestions you should always chose what works best with your family. Making a pros and cons list with your family and or yourself if you're purchasing alone. Try to make sure your decision is not emotional but yet logical, if you need any help please give us a call and we can bounce some ideas off of one another.

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real estate is our passion 
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Telephone

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omarayub@omarlty.org
  • Home
  • Sell With Us
  • Buy With Us
  • Get Pre-Qualified With Us
  • Rent With Us
  • Listings
  • Contact
  • Investors
  • About Us
  • Whats Going on in the Bay Area
  • Careers
  • Commission Rebate Program
  • 2% Listing Fee Homes in the Bay Area