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How to Buy with Cash Now, and Reimburse Yourself Later
THE “DELAYED FINANCING EXCEPTION” MAY BENEFIT YOU1 WHAT IF YOU PAY CASH AND REIMBURSE YOURSELF LATER? Some homebuyers would benefit from paying cash for a new home now and doing a cash-out refinance later to get reimbursed for the funds used in the cash purchase. Here are three examples where this strategy may be useful:…
Read MoreShould I Wait to Buy Until House Prices Come Down?
Your Guide to the Housing & Mortgage Markets FOUR REASONS WHY HOUSE PRICES AREN’T LIKELY TO COME DOWN SIGNIFICANTLY1 ALTHOUGH HOUSE PRICES HAVE COME DOWN IN SOME MARKETS, THERE IS LIMITED HOUSING SUPPLY… AND THIS WON’T CHANGE ANYTIME SOON. We currently have a shortage of between 3 million and 5 million homes in the US,…
Read MoreSuccessful War Stories — Not Horror Stories
Real financing tales from San Francisco and beyond. While banks seem to sit on every corner of San Francisco — and our city has become one of the world’s biggest tech hubs — not every real estate loan fits neatly into a banker’s checklist. Some transactions need a creative touch. A different perspective. A willingness…
Read MoreWAS I RIGHT OR WRONG ABOUT MORTGAGE RATES? Could it be both? What happens next?
Previously in early September (the 4th to be precise), you may have read BUY THE RUMOR, SELL THE FACT here on my BLOG. I said mortgage rates might go up after the Federal Open Market Committee (FOMC) met on September 17th. While the Fed cut rates that day as expected, did you notice what mortgage…
Read MoreFOUR WAYS THE FED INTEREST RATE DECISIONS MAY IMPACT YOU
The Federal Reserve controls the Fed Funds rate, the interest rate banks charge each other for borrowing short-term funds. The Fed Funds rate went down to 4% after the Fed cut rates on October 29, 2025. The Prime Rate is based on the Fed Funds rate. The Prime Rate is set by large banks and…
Read MoreBuy the Rumor, Sell the Fact…What Happens mid this month?
I attended a Real Estate and Mortgage Professionals Mixer and Presentation last week for the San Francisco Women’s Council of Realtors, but I was sitting in the audience and was not on stage. A friend of mine was on stage and asked me during his presentation the trick question: When did the Fed last cut…
Read MoreHoward Steiermann’s “Magnificent Seven.”
I have known Howard Steiermann for over two decades, used him as an appraiser for San Francisco Residential Real Estate and he is on my list of RECOMMENDED PROFESSIONALS you will find under RESOURCES on this website. https://www.sanfranciscoloanoptions.com/recommended-professionals/ The question to Howard was: What are the top ideas, tips and unknown aspects of residential appraisal…
Read More👋 Welcome to The Broker’s Edge Smarter Real Estate Lending for Homeowners, Buyers & Investors
This blog is your go-to resource for residential and commercial financing insights in the San Francisco Bay Area and beyond. Here you’ll find:🔹 Professional Spotlights — interviews with trusted advisors and service providers who impact real estate decisions (appraisers, financial advisors, attorneys, contractors & more).🔹 Loan Insights — practical strategies and solutions I encounter as…
Read MoreWelcome to my Blog regarding The Broker’s Edge
Welcome to my blog for www.SanFranciscoLoanOptions.com, and www.uamco.com. Please check back for future articles and information. 🔎 BROKER’S EDGE – Smarter Real Estate Lending 🤝 Looking out for your Best Interest, and Helping Homeowners, Investors & Small Business Owners since 1990 📞 Steven Hook | Residential & Commercial Mortgage Broker 📱 415-260-9376 | 📠 415-449-3428…
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