Cheryl Bower's Real Estate Blog

How To Renegotiate Your Credit Card Interest Rates To Something Lower

By Cheryl Bower | January 11, 2011

According to the Federal Reserve, a credit card balance of $5,000 at 23.99 percent APR won’t pay off for 16,127 years. That’s one reason why it’s important to manage your credit card rates, and renegotiate them whenever possible. Here’s how to do that.

Related posts:

  1. Sharing Your Credit Card Balances Can Lower Your Mortgage Rates
  2. See How Credit Missteps Lower Your Credit Score
  3. STOP! Before You Open That Store Charge Card To Save 15 Percent…
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Rental app details 2014

By Cheryl Bower | January 1, 2011

rental application process 2011 Rental App Nov 2013 w: typewriter

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Glen Park dog-friendly rental w/ private garden

By Cheryl Bower | December 30, 2010

Glen Park dog-friendly rental w/ private garden [property_details details=”1″] Private dog-friendly garden apartment $1,550 | 282B Monterey Blvd S.F., CA >Gas stove, small eat-in kitchen w/ stainless fridge >Living room overlooks private garden >Coin-op washer/dryer in building >Utilities are included in the rent >Walking distance to Glen Park Canyon and Glen Park Bart stationClose to SF…

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855 La Playa-Ocean Beach condo: SOLD

By Cheryl Bower | December 30, 2010

855 La Playa-Ocean Beach condo: SOLD [property_details details=”1″]

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Boost Your 2010 Tax Deductions By Making Your January Mortgage Payment A Little Bit Early

By Cheryl Bower | December 8, 2010

Looking for an extra 2010 tax deduction? Consider making your January mortgage payment a few days early.

Related posts:

  1. Get Extra Tax Deductions In 2008 — Pay Your Mortgage A Few Days Early
  2. How To Squeeze Extra Tax Deductions From Your Mortgage In 2007
  3. How To Increase Your 2009 Mortgage Interest Tax Deduction
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For dog lovers: Dogs Decoded, the special bond between dogs & humans

By Cheryl Bower | November 29, 2010

For dog lovers: Dogs Decoded I think it’s pretty well known that San Francisco has more dogs than children. This is a great segment that explores the bond between humans & dogs.  I have the best of both worlds & have 2 cats & 2 dogs, creating a busy but fun household! Perhaps the perfect…

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Rich Americans Ditch Home Ownership For Renting: how would you spend $11,000/mo?

By Cheryl Bower | November 29, 2010

Rich Americans Ditch Home Ownership For Renting: How would you spend $11,000/mo? The slot machine investment vehicle approach with real estate has certainly played a large role in our current economic crisis.  It’s time to get back to basics as to the why of owning a home since the days of double digit appreciation are…

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WEEKLY HOT RATES for the week ending 11/9/2010 as provided by Guarantee Mortgage

By Cheryl Bower | November 13, 2010

WEEKLY HOT RATES for the week ending 11/9/2010 as provided by Guarantee Mortgage Wow!  How low will rates go this year? This will certainly help buyers get into our pricey S.F. real estate market. 30 Yr Fixed Conforming to $417K     4.000% “1.000” POINTS     APR = 4.128% 30 Yr Fixed Jumbo to $729,750.          4.250% “1.000” POINTS     …

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10% down and not FHA!

By Cheryl Bower | November 11, 2010

Property type: Three-bedroom, two bath in Half Moon Bay
Appraised value: $585,000
Loan amount: $508,000
Loan type: 30yr fixed
Rate: 5%
Back story:
For a long time in this economy the only way to do a 10% down mortgage was through FHA. This loan makes the blog because it was the first loan we’ve done in a long while […]

Related posts:

  1. 6-figure debt, mortgages stood in way of his client
  2. Taking advantage of interest costs can change your situation!
  3. Why is having a close relationship with your client’s lender important?
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Fall 2010 Zephyr Real Estate Report: News and Updates for Homeowners

By Cheryl Bower | November 9, 2010

Full Report Fall 2010 Real Estate Report News and Updates for Homeowners In This Issue Lenders Continue to Steer the Housing Recovery SF is First in Nation to Start College Savings for Every Kindergartner Survey Reveals Surprise Consumer Confidence Property Tax Advice from City Assessor Phil Ting Web Sites for Savvy Black Friday Shoppers Cheryl…

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