Bay Area Real Estate News, Insights, Market Data, and Strategies | Spencer Hsu Real Estate14 Jul 2020

Things that you must know about Bay Area Home Lending

Every Tuesday, I go into detail a question I frequently get asked. What do you need to know about Bay Area Home Lending?

This is the first step that needs to be done before looking for a home! You want to understand what your loan ceiling is as this is what I call a hard ceiling. There isn’t a point of looking at properties above this amount unless you are able to get gift money or financial support from others. Nevertheless, there are alot of lenders and loan programs out there, so what do you do?

Banks constantly change their guidelines and take turns being the most competitive but there are a few things to be aware of. I do what I can to constantly monitor and track the strengths/weaknesses of each bank so that my clients can get an advantage.

There are two common types of loan programs. A 30 year fixed rate, or an Adjustable rate mortgage. Many people decide between the two based off of how they feel about interest rates changing in the future and their time horizon of owning the property. If you are certain that you will be using the home as a tradeup and plan to sell within 5-7 years, many people opt for the ARM rate and save money on their monthly payments. ARM rates are typically lower by 0.25% to 0.5% from a 30 year fixed rate.

When it comes to home purchases that require at least a $250k+ down payment, Wells Fargo is currently very hard to beat. They still have a program called Assets Under Management which allows clients to buy down rates with money that they would’ve used for down payment anyways! Other private client programs require the money to stay in the account after the transaction takes place so this is a great benefit for those that know about it.

Physician loans, especially tied with companies like Kaiser, has some of the best programs out there. Depending on what kind of offer you receive from a local Kaiser, many physicians at Kaiser have down payment assistance where Kaiser covers 10% of your down payment. Physicians, without support from their company have loan programs that can buy with 5% down, will have no mortgage insurance, and can buy up to $1.2M. Mortgage insurance is a extra monthly cost that you pay since you don’t have much skin in the game initially in the home. You may ask, wait if Kaiser can cover 10%, and a standard physician loan requires 5%, does this mean I don’t need to put any money down? Bingo! You can reach out to me to learn more about this as to how this process works but you can note for all of your physician friends, there isn’t much of an excuse to not be a homeowner! BBVA has the best programs for this.

If you are a first time buyer, you don’t have to buy with 20%. That is a misconception. There are plenty of programs for as low as 3.5% down for everyone to take advantage of. There is a max of your purchase amount of up to $765,600 but there are plenty of properties all throughout the Bay Area to get in this category. People ask me, but there is mortgage insurance? It’s always better to get into the homeownership side of the table than as a renter where that is a guarantee sunk cost. As the value of your home rises over time, you also have the option to refinance the PMI out since the PMI is needed due to initially having very little equity/skin in the game. It also accelerates you and frees up that capital to do other things with your money. Mortgage brokers are great candidates for this and tend to be more flexible than banks.

All of these are great options because you are leveraging record low interest rates and getting out of the rental space. I have great lending partners as very much like Realtors, there are a lot of loan officers out there and they are not all equal from a knowledge perspective, communication, and work ethic.. If you or anyone you know is considering to buy, sell, or invest in the Bay Area, let’s talk! I’m never too busy to be introduced and I have helped several clients from these videos itself! If you liked this video, be sure to share it with your friends, leave a comment with what you think, hit that like button and subscribe to my youtube channel! I look forward to seeing you at the next one.

If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!

📧Spencer@spencerhsu.com

📞 (408) 547-4590

⏰ Set up a time to chat: https://calendly.com/spencerhsure

🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/

🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate

📸Follow me on Instagram: https://www.instagram.com/spencerhsure

🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu

🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7

🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW

My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!

Spencer Hsu, MBA, Realtor

Spencer@SpencerHsu.com

408-547-4590

EXP Realty DRE #02077253

https://www.homesbyspencerhsu.com/

#BayAreaRealEstate

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Episoder(362)

Should I buy a HOME in 2020? (Low interest rates) Silicon Valley Real Estate

Every Tuesday, I answer a question I get from my clients in greater detail. Should you buy a home in 2020?While there will always be uncertainty, consider all of the things that will still happen if you don't make a move.1) Rent will continue to chip away to your savings2) Your need of space due to Work from home policies are still there3) Missed long term appreciation of the homeNo one can truly predict the future and fortunately no one needs to. As long as you have reserves, the mindset of home ownership, and have a long term mindset, homeowners in the Bay Area tend to do very well. Stay focused on the goal and not let distractions affect you.--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!📧Spencer@spencerhsu.com📞 (408) 547-4590⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW--My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!Spencer Hsu, MBA, RealtorSpencer@SpencerHsu.com408-547-4590EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate

26 Mai 202010min

San Mateo & Santa Clara County Real Estate Market Update May 22, 2020 - Spencer Hsu Bay Area Realtor

Every week I go over headline articles that can impact the market and share my thoughts. I also look into the data of the week in greater detail.Mortgage Rate continues to approach near all time lowHousing Demand Surges 16.5% beyond pre-shelter levelsMilpitas and Berryessa BART Stations will Open June 13Linkedin Data shows US job hiring may have hit bottom in mid AprilFacebook plans to shift up to half of employees to Remote Work over the next 10 yearsFacebook Willow Village Project reduction in corporate office spaceSanta Clara and San Mateo County Data look--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!📧Spencer@spencerhsu.com📞 (408) 547-4590⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW--My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!Spencer Hsu, MBA, RealtorSpencer@SpencerHsu.com408-547-4590EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate

22 Mai 202025min

Weekly Real Estate Lunch and Learn: Palm Beach and San Diego Markets

Every Wednesday at 12PM PST, I will interview and introduce 1-2 top producers all across the country to hear about how they got into the business, what they are seeing with real estate impacts with COVID, and how they are shifting their business. Tune in LIVE! https://www.homesbyspencerhsu.com/video/This week I am delighted to have two rockstars who represent the Palm Beach Florida and San Diego regions. Taryn Pisaneschi and Melissa Huk!--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today! 📧Spencer@spencerhsu.com📞 (408) 547-4590 ⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW -- My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money! Spencer Hsu, MBA, Realtor Spencer@SpencerHsu.com 408-547-4590 EXP Realty DRE #02077253 https://www.homesbyspencerhsu.com/ #BayAreaRealEstate

20 Mai 20201h

Bay Area Real Estate Market Update (May 15, 2020) - Spencer Hsu, Realtor

Every week I go over headline articles that can impact the market and share my thoughts. I also look into the data of the week in greater detail.Fannie Mae and Freddie Mac extend Foreclosure and eviction freeze until end of Junehttps://www.housingwire.com/articles/fannie-mae-freddie-mac-hud-extend-foreclosure-and-eviction-freeze/Borrowers in forbearance can defer all missed payments until the end of the loanhttps://www.housingwire.com/articles/fannie-mae-freddie-mac-borrowers-in-forbearance-can-defer-all-missed-payments-until-the-end-of-their-loan/Mortgage applications rise againhttps://www.housingwire.com/articles/mortgage-applications-for-home-purchases-increase/Home search rebound 54%https://www.housingwire.com/articles/searches-for-homes-for-sale-rebound-54/Twitter employees can work at home forever. What does this mean for HQ?https://sf.curbed.com/2020/5/13/21256351/twitter-building-headquarters-work-home-employees-sf1,000 employees here, for a company the size of 5,000Buyer behavior changing: need for more private space due to kids at home and needing office space.Appraisers are more conservative these days so be cautious of your down payment situation.San Mateo County Datahttps://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today! 📧Spencer@spencerhsu.com📞 (408) 547-4590 ⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW -- My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money! Spencer Hsu, MBA, Realtor Spencer@SpencerHsu.com 408-547-4590 EXP Realty DRE #02077253 https://www.homesbyspencerhsu.com/ #BayAreaRealEstate

15 Mai 202034min

Weekly Lunch and Learn: Reno and Sacramento Markets

Every Wednesday at 12PM PST, I will interview and introduce 1-2 top producers all across the country to hear about how they got into the business, what they are seeing with real estate impacts with COVID, and how they are shifting their business.This week I am delighted to have two rockstars who represent the Sacramento and Reno regions. Matthew Stewart from Sacramento. Jen Colley and Michelle Goode from Reno.A bit about Jen ColleyPledge to Clients: It is my goal to serve my clients with their best interest in mind whether it be looking for an investment or finding the home of their dreams. I am proud to represent you.Professional Experience: I have been in this industry for over 19 years both in my own experiences and representing others. I bring a background that is competitive and realistic. I love challenges as life is full of them thats how we grow.Education: I have Education in Real Estate and continuing education in Real Estate. Most of my education comes from real life experiences that is priceless and you could not learn from a textbook. My classroom is real life.Outside Interests: My inside interests are my FAMILY members. My personal passion aside from Real Estate is Golf. Although I have a "Love Hate" relationship with golf it is a forever one. It keeps me striving for the perfection I will always keep looking for.Personal Information: I am a mother of 3, Sister of 3, Grandmother of 2 and a wife and business partner. We pride ourselves in Honesty and Integrity. At the end of the day you have to sleep knowing you did the best you could with Honesty & Integrity.. We continue to practice the PAY IT FORWARD way of life.-------------If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today! 📧Spencer@spencerhsu.com📞 (408) 547-4590 ⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW -- My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money! Spencer Hsu, MBA, Realtor Spencer@SpencerHsu.com 408-547-4590 EXP Realty DRE #02077253 https://www.homesbyspencerhsu.com/ #BayAreaRealEstate

13 Mai 20201h 2min

Closing Costs Explained on Buying a House (Real Estate in the Bay Area)

Bay Area Tech Realtor Spencer Hsu explains and clarifies what you should expect for Closing Costs for home purchases in the Bay Area.0:00 Intro2:35 Debits and Credits Explained4:00 Deposit, Loan Amount and Funds to Close Explained4:52 Prorations / Adjustments Explained6:30 Loan Charges Explained8:45 Title & Escrow Explained14:20 Government Charges ExplainedIf you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today! 📧Spencer@spencerhsu.com📞 (408) 547-4590 ⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW -- My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money! Spencer Hsu, MBA, Realtor Spencer@SpencerHsu.com 408-547-4590 EXP Realty DRE #02077253 https://www.homesbyspencerhsu.com/ #BayAreaRealEstate

12 Mai 202018min

Get to know Spencer Hsu Agent Interview and why EXP with Avant Real Estate

I had a great opportunity to be interviewed by my partners at Avant Real Estate. If you are interested to hear about how I got started and how I went from $0 to $22M in 16 months of being a Realtor, or why I joined EXP Realty, tune in!--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today! 📧Spencer@spencerhsu.com📞 (408) 547-4590 ⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW -- My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money! Spencer Hsu, MBA, Realtor Spencer@SpencerHsu.com 408-547-4590 EXP Realty DRE #02077253 https://www.homesbyspencerhsu.com/ #BayAreaRealEstate

9 Mai 20201h 13min

Bay Area Real Estate Market Update (May 8, 2020) - Spencer Hsu, Realtor

Every week, I go over news that can affect Bay Area Real Estate.0:40 Forebearance: Homeowners will not owe lump sum paymentshttps://www.forbes.com/sites/alyyale/2020/04/27/fannie-and-freddie-homeowners-will-not-owe-lump-sum-payments-after-forbearance/#348f7f024ee42:47 Latest Mortgage Activityhttps://www.housingwire.com/articles/average-mortgage-rate-is-3-basis-points-from-all-time-low-2/https://www.housingwire.com/articles/refinancings-may-hit-a-7-year-high/Non-QM products coming back. Initially shut in early Aprilhttps://www.housingwire.com/articles/non-qm-lending-inching-back-into-the-market/7:15 The return of the Ibuyershttps://www.housingwire.com/articles/redfinnow-resumes-ibuying-and-zillow-offers-isnt-far-behind/10:09 Good news for SMB. PPP still has money lefthttps://www.housingwire.com/articles/ppp-has-126-5-billion-left-for-small-businesses/11:00 Sad news of the Bay Area Layoffs: Airbnb, Uber, Lyfthttps://www.cnbc.com/2020/05/05/airbnb-to-lay-off-nearly-1900-people-25percent-of-company.html?fbclid=IwAR37xshCuh8v3XsapM3ZzE1bq-a8nRPQYZNe7ub-DPaB-jMlHpihUbj-m5c13:30 Santa Clara County Market Update including a deeper dive into condo/townhome vs SFH and also prices in each city.https://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today! 📧Spencer@spencerhsu.com📞 (408) 547-4590 ⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW -- My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money! Spencer Hsu, MBA, Realtor Spencer@SpencerHsu.com 408-547-4590 EXP Realty DRE #02077253 https://www.homesbyspencerhsu.com/ #BayAreaRealEstate

8 Mai 202025min

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