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.
Work where you love and live where you work. Why it's important to live close to where you work in the bay area.
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.