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Blakely Hull

You Still Might Be Able to Afford a House in San Francisco

The typical working-age American earns about $41,400 each year. In most parts of the world, an income at that level would guarantee an extraordinarily high standard of living. Yet few Americans move to Lagos or Mumbai—or even Palermo—despite the apparent gains to be made. The reason, of course, is that the typical American cannot earn anything close …

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Trade tensions push mortgage rates lower for second week in a row

The 30-year fixed-rate average fell to 4.1 percent. Concerns about the U.S.-China trade feud pushed mortgage rates lower this week. According to data released Thursday by Freddie Mac, the 30-year fixed-rate average slipped to 4.1 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount and …

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These Silicon Valley-area public high schools get top grades from US News & World Report

More than 20 percent of California’s top public high schools are located directly in Silicon Valley or in neighboring areas to the south and west, according to the latest annual rankings by US News & World Report. In fact, the top two local schools are in Gilroy and Santa Cruz. In Gilroy, Dr. T.J. Owens …

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The difference between adjustable-rate and fixed-rate mortgages?

In this two-minute video, you’ll learn the difference between an adjustable-rate mortgage (ARM) and a fixed-rate mortgage. Summary Loan terms are 15, 20 and 30 years. Fixed-rate mortgages may offer predictability and stability with a rate that doesn’t change. A 5/1 ARM has a fixed rate for the first five years. The initial rate of …

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Everything you should know about getting preapproved for a mortgage

Getting a mortgage preapproval can give you a big advantage in the home-buying process. This golden ticket involves some of the same steps as a mortgage application. You provide detailed information on an application about your income, debts and assets. The lender does a hard credit check. Soon, if you’re approved, you’ll receive a loan …

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Buyers Catch a Break as Mortgage Rates Fall Most Since 2008

 The 30-year average drops to 4.06%, lowest in more than a year  Decline is giving a boost to the slowing U.S. housing market U.S. mortgage rates fell by the most in more than a decade, giving homebuyers a crack at the lowest loan costs since early 2018. The slowing housing market could use the boost. …

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Break Away from the Rain: 13 perfect strolls in SF for warmer weather

Now that the rain has, more or less, dispersed, it’s time shed your heavy Patagonia jackets and slip into spring. But you don’t have to slog over to Dolores Park—which hosted roughly 100,000 patrons during one recent warm weekend—to enjoy the sun. With springtime weather finally here, now’s the perfect time to get out and experience the …

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Fed Signals Rate Hikes May Be Over For 2019

The Federal Reserve is signaling that it may be done hiking interest rates this year, amid signs of economic slowing. The Federal Reserve’s Open Market Committee on Wednesday left its target rate unchanged at 2.25 percent to 2.5 percent. More than half the committee’s members signaled they don’t expect any additional rate increases this year. That’s a …

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Vast Majority Think 2019 First Quarter is Good Time to Buy Home, says Realtor® Survey

WASHINGTON (March 20, 2019) – New findings from a National Association of Realtors® survey show that more Americans believe that now is a good time to purchase a home. Consumer opinions about home buying bounced back in the first quarter of 2019, with 37 percent stating that they strongly believe now is a good time …

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