Market dynamics district 4, S.F. CA

Market dynamics district 4, S.F. CA   Full pdf report to download; district 4 S.F. A balanced market is considered 6 months of inventory. Less then 6 months = seller’s market more than 6 months = buyer’s market As of April 2011 there was 1.6 months of inventory   Posted by: Cheryl Bower, Realtor CRS,…

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Buying a Short Sale — The Need for Speed

Short sales offer not just a lifeline to homeowners in over their heads, but an opportunity for homebuyers seeking an amazing deal. Better yet, thanks to new regulations, the once lengthy process has recently become considerably more streamlined.

In a short sale, a homeowner that cannot afford to pay the mortgage and the lender that loaned […]

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  1. Simple Real Estate Definitions : Short Sale
  2. What You Should Know About Making an Offer on a Short Sale
  3. How “Repair Credits” To The Buyer Can Sabotage Your Home Sale
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How is your service professional keeping your private information confidential & protected?

How is your service professional keeping your private information confidential & protected? Everything Cheryl Bower, CRS, with Zephyr Real Estate in San Francisco, needed to know about data security, she learned from a dentist. After working in a dentist’s office for several years, she had internalized the industry’s strict patient-privacy practices. After becoming a REALTOR®, she had a constant, nagging worry about…

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When comparing your insurance premiums, use your discounts!

When comparing your insurance premiums you need to make sure you are looking at the whole picture rather than looking at one mono-policy compared to another. Often the various discounts available through a multiline carrier will make your overall insurance cost less than if you just compared one mono-line policy to another.

For example, […]

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  1. Mortgage Protection Insurance
  2. How Much Insurance is the Right Amount of Insurance to Have?
  3. A Smarter way to buy Group Health Insurance
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How To Renegotiate Your Credit Card Interest Rates To Something Lower

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.

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  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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