Creative financing isn’t about finding one “best” loan—it’s about choosing the right tool for the right situation. A Home Equity Agreement (HEA) is a financing option that allows a homeowner to access a portion of their home’s equity without taking on a monthly loan payment. Instead of borrowing money and paying interest, the homeowner receives…

A San Francisco Four-Plex Story About Strategy, Expectations, and Relationships In San Francisco real estate, every property has a story — but so does every loan. This one began inside a beautiful Victorian home in San Francisco that doubled as a real estate office. Frank and Katerina, two independent Realtors, ran their boutique brokerage there.…

San Francisco real estate looks great on Instagram.The financing behind it? Not so simple. This is Episode 3, and a true story about a four-unit property, a parent helping a college-age child, and a deal that almost fell apart — even with a 30% down payment. If you’re a Millennial buyer, investor, or future homeowner,…

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:…

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,…