Things that you must know about Bay Area Home Lending

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.


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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

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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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Home Prices Rise More Than 500% in Last 30 Years! | Bay Area Real Estate Market Update October 29, 2021

Home Prices Rise More Than 500% in Last 30 Years! | Bay Area Real Estate Market Update October 29, 2021

Every week, I go over news that can affect Bay Area Real Estate. I look into market statistics and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!Text or call us today at (408)540-5493. You can also visit us at https://www.homesbyspencerhsu.com/🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor— TIMESTAMPS — 00:00 Intro00:50 Weekly News Highlights - Bay Area Counties Have Seen Prices Rise More Than 500% in Last 30 Years02:43 Bay Area home sold $1.5 million over asking price in just 10 days06:30 BioMed Realty buys Bay Area office complex, vacant land from Oracle for $160M08:15 Restart of big downtown San Jose tech campus is being "actively" eyed10:19 Oceanwide Creditors Seize San Francisco Project After Missed Payments13:04 Costco eyes big new store on west side of San Jose: City newsletter14:00 Market Updates - San Mateo County 15:45 Santa Clara County16:08 Alameda County— WEEKLY HIGHLIGHTS — Some San Francisco Bay Area Counties Have Seen Prices Rise More Than 500% in Last 30 YearsBay Area home sold $1.5 million over asking price in just 10 daysBioMed Realty buys Bay Area office complex, vacant land from Oracle for $160MRestart of big downtown San Jose tech campus is being "actively" eyedOceanwide Creditors Seize San Francisco Project After Missed PaymentsCostco eyes big new store on west side of San Jose: City newsletter— MARKET DATA CHARTS — https://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharingCall or Text us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor🌍Find your dream Bay Area home www.homesbyspencerhsu.com🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatechrealtor🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped YTD which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

29 Okt 202117min

Special Guest: Aaron Thach of Farmers Insurance | Bay Area Real Estate Market Update October 22, 2021

Special Guest: Aaron Thach of Farmers Insurance | Bay Area Real Estate Market Update October 22, 2021

This week we are starting our weekly market update podcast with an important topic - homeowner's insurance! As a homeowner, you might be curious about what types of insurance coverage you need to protect your home sweet home!In this podcast, Aaron Thach with Farmers Insurance joins me for this special guest interview and shares his expert insight on different coverage options and their importance, especially as a Bay Area homeowner.If you have any questions that we didn’t cover in this video, contact Aaron directly at athach@farmersagent.com and see what coverage options are best for you from Farmers Insurance.Every week, I go over news that can affect Bay Area Real Estate. I look into market statistics and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/— TIMESTAMPS — 00:00 Intro00:22 Special Guest Interview with Aaron Thach of Farmers Insurance18:42 Weekly News Highlights - Should an ADU unit rent for the same price as a regular unit in SF?22:59 As Elon Musk Goes to Texas, Will Tech Workers Follow?25:30 Alleviating California's Housing Shortage with Malls26:32 Market Updates - San Mateo County 29:20 Santa Clara County27:55 Alameda County28:25 San Francisco County— WEEKLY HIGHLIGHTS — Should an ADU unit rent for the same price as a regular unit in SF?As Elon Musk Goes to Texas, Will Tech Workers Follow?Alleviating California's Housing Shortage with Malls 🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🌍Find your dream Bay Area home www.homesbyspencerhsu.com🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatechrealtor🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

22 Okt 202129min

Tesla HQ leaving Silicon Valley?! | Bay Area Real Estate Market Update October 15, 2021

Tesla HQ leaving Silicon Valley?! | Bay Area Real Estate Market Update October 15, 2021

Every week, I go over news that can affect Bay Area Real Estate. I look into market statistics and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/— TIMESTAMPS — 00:00 Intro00:30 Weekly Highlights16:10 Market Updates— WEEKLY HIGHLIGHTS — Tesla agrees to big office lease in Palo Alto, despite HQ exitCalifornia still has bright economic future despite Tesla exit: NewsomCOVID real estate: Silicon Valley office rents reach record heightsGoogle's regional pay cuts for employees who work from home may backfireAmazon buys big Milpitas campus as tech titan widens shopping spreeBig-time developers wheel and deal for south San Jose propertyAmazon unveils office return twistWorkers return reclaiming big cities🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🌍Find your dream Bay Area home www.homesbyspencerhsu.com🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatechrealtor🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

15 Okt 202121min

Tech Titan expands AGAIN in Mega Silicon Valley Office Deal! | Bay Area Real Estate Market Update October 1, 2021

Tech Titan expands AGAIN in Mega Silicon Valley Office Deal! | Bay Area Real Estate Market Update October 1, 2021

Every week, I go over news that can affect Bay Area Real Estate. I look into market statistics and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/— TIMESTAMPS — 00:00 Intro00:40 Weekly Highlights19:31 Market Updates — WEEKLY HIGHLIGHTS — Amazon plans to build distribution center in Pleasanton after buying almost 60 acres thereReal estate: Choice site in Los Gatos lands Bay Area buyerFedEx signs lease for big distribution complex in North San Jose Ponzi Playground: Northern Californians Robbed of MillionsWhere home prices are going next, according to forecast modelsThe Co-Working Sector Is Bouncing Back🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🌍Find your dream Bay Area home www.homesbyspencerhsu.com🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatechrealtor🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

1 Okt 202124min

Newsom signs SB 9...Single-family zoning in California NOW OVER! | Bay Area Real Estate Market Update September 17, 2021

Newsom signs SB 9...Single-family zoning in California NOW OVER! | Bay Area Real Estate Market Update September 17, 2021

Every week, I go over news that can affect Bay Area Real Estate. I look into news and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/— TIMESTAMPS — 00:00 Intro00:54 Weekly Highlights17:55 Market Updates— WEEKLY HIGHLIGHTS — Gov. Newsom signs SB 9, curbing single-family zoning in CaliforniaBay Area home sales remain strong, even with COVID uncertaintiesBay Area multi-family construction hits five-year highTwitter expands Bay Area office presence with 66,000-square-foot lease in OaklandEllis Partners acquires 179K sf office building in South of Market neighborhoodGov. Newsom doesn’t have a housing shortage fixPacaso’s plans to “democratize” second-home ownershipOrchard reaches unicorn status with $100M funding round🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🌍Find your dream Bay Area home www.homesbyspencerhsu.com🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatechrealtor🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

17 Sep 202123min

Housing Market Not Slowing Even In Pandemic! | Bay Area Real Estate Market Update September 10, 2021

Housing Market Not Slowing Even In Pandemic! | Bay Area Real Estate Market Update September 10, 2021

Every week, I go over news that can affect Bay Area Real Estate. I look into news and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/— TIMESTAMPS — 00:00 Intro01:07 Weekly Highlights05:10 Client Success Stories11:02 Market Updates— WEEKLY HIGHLIGHTS — https://sanfrancisco.cbslocal.com/2021/09/09/bay-area-housing-market-not-slowing-covid-19-pandemic/https://www.sfchronicle.com/sf/article/San-Francisco-s-next-major-skyscraper-will-16444701.php— DEALS CLOSED THIS WEEK — 369 Club Dr, SAN CARLOS, CA 94070Listing Price: $3,798,000 | 4 Bdrm | 5 Bath | 4,900 SqFt https://www.redfin.com/CA/San-Carlos/369-Club-Dr-94070/home/104009214823 Beaver Creek Way, SAN JOSE, CA 95133Listing Price: $835,000 | 4 Bdrm | 2.5 Bath | 1,596 SqFt https://www.redfin.com/CA/San-Jose/823-Beaver-Creek-Way-95133/home/1189272— DEALS IN CONTRACT — 157 Monte Villa Ct, CAMPBELL, CA 95008Listing Price: $889,000 | 2 Bdrm | 2.5 Bath | 1,188 SqFt https://www.redfin.com/CA/Campbell/157-Monte-Villa-Ct-95008/home/1063613616 Altino Blvd, SAN JOSE, CA 95136Listing Price: $849,000 | 2 Bdrm | 2 Bath | 1,323 SqFt https://www.redfin.com/CA/San-Jose/616-Altino-Blvd-95136/home/9659732 Deals in Contract @ https://thelindenssf.com/🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🌍Find your dream Bay Area home www.homesbyspencerhsu.com🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatechrealtor🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

10 Sep 202115min

Google delays office return until Jan 2022! | Bay Area Real Estate Market Update September 3, 2021!

Google delays office return until Jan 2022! | Bay Area Real Estate Market Update September 3, 2021!

Every week, I go over news that can affect Bay Area Real Estate. I look into news and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408) 223-5493. You can also visit us at https://www.homesbyspencerhsu.com/WEEKLY HIGHLIGHTS:Google delays mandatory return to office until January 2022.https://www.engadget.com/google-extends-voluntary-return-to-office-plan-204850097.htmlFacebook fund helps bring 500 affordable housing unitshttps://www.sfchronicle.com/bayarea/article/Facebook-fund-helps-bring-500-affordable-housing-16426698.phpTesla leases entire office building in San Jose tech hubhttps://www.mercurynews.com/2021/09/02/tesla-lease-entire-office-building-north-san-jose-tech-hub-real-estate/Oakland waterfront hotel is slated to be converted into affordable homes.https://www.siliconvalley.com/2021/09/01/oakland-waterfront-hotel-convert-affordable-home-real-estate-develop/🌍Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️Listen to my podcast: https://bit.ly/384DUpn📸Follow me on Instagram: https://www.instagram.com/bayareatech...🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate​​ #TechRealtor🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor

3 Sep 202121min

Bay Area Home Wealth Surges During COVID | Bay Area Real Estate Market Update August 20, 2021

Bay Area Home Wealth Surges During COVID | Bay Area Real Estate Market Update August 20, 2021

Every week at 12 PM PST, I analyze the news and data that can affect the Bay Area Real Estate Market. Tune in weekly and email me anytime if I can help! spencer@spencerhsu.com.🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/Bay Area Home Wealth Surges During COVID  https://www.timesheraldonline.com/2021/08/16/bay-area-home-wealth-surges-during-covid-19/ COVID offices: Big South Bay tech hubs are prepped for coronavirus erahttps://www.mercurynews.com/2021/08/16/covid-office-big-south-bay-tech-hub-prep-coronavirus-era-real-estate/ Palo Alto moving forward with short-term housing project for homeless near Baylands https://www.mercurynews.com/2021/08/12/palo-alto-moving-forward-with-short-term-housing-project-for-homeless-near-baylands/ Housing tower could sprout near Google’s downtown San Jose village https://www.mercurynews.com/2021/08/13/home-tower-google-downtown-san-jose-transit-village-real-estate-covid/ Divvy Homes hits $2 billion valuation after latest funding round https://www.housingwire.com/articles/divvy-homes-hits-2-billion-valuation-after-latest-funding-round/Latest Market Data for all counties in the Bay Areahttps://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtorOr, call us today at (408)223-5493. You can also visit us at https://www.homesbyspencerhsu.com/🌍Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️Listen to my podcast: https://bit.ly/3bJx88📸Follow me on Instagram: https://www.instagram.com/bayareatech...🧑‍💼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 in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. 50 families have been helped in the last 15 months which positions me as a Top 1% Realtor.Looking forward to helping you!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493 EXP Realty DRE #02077253#BayAreaRealEstate #TechRealtor

20 Aug 202119min

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