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Bay Equity News

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September 14, 2019
Spec Housing Could Ease Builder’s Minds

Today there are at least 45 million potential buyers younger than 40 looking to settle down into their first home.

The demand is greatest at the lowest price points but the supply of existing affordable homes is simply not enough. It’s not a new problem. Substitute “American GI” for “Millennial” and you had an almost...

September 13, 2019
Student debt and mortgage loans

You hear it nearly every day. Rising college costs have conspired with the relative financial instability of youth to make buying a home nearly impossible for people younger than 35.

There’s no doubt. A college degree is definitely worth having. It provides more secure employment higher lifetime earnings and even a longer life expectancy.

But 80...

September 4, 2019
Sell first to make moving up easier

Get busy selling to get busy buying

Homeowners ready to “move up” from one tier to the other would love to have all the time in the world to go out and find their perfect next home make an offer and have it accepted on contingency.

Then they could sell their current home and use the profits...

August 22, 2019
FHA loan can overcome down payment roadblocks

One of the most pervasive myths in the mortgage industry is the belief you need to save up 20 percent of a home’s purchase price to qualify for a mortgage loan.

There are dozens of local and federal down payment assistance (DPA) programs which can help borrowers with limited financial resources but the granddaddy of them...

August 16, 2019
Buy in autumn: Fall into savings!

School bells are ringing again across the nation and it can be a hectic time.

Many home buyers have children and as a result they’re looking to get a deal done before the end of summer. Changing school districts in the middle of the year can be a hassle.

But the statistics say summer is the...

August 8, 2019
Dog Days Unleash Financial Frenzy

Just in time for the dog days of summer a little economic unrest has been unleashed.

On July 31 2019 the Federal Reserve cut its baseline interest rates by a quarter point despite a booming domestic economy. During the same week President Donald Trump stepped up his rhetoric with threats of more tariffs in his protracted...

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