Tag Archives: San Francisco Real Estate

New SOMA Release! 2Bed/2Ba Exquisitely Remodeled, 1119SF, $549k-$595k

New SOMA release of 6 stylishly remodeled homes at 181-191 Russ Street. Steps from the best culinary, shopping, arts and recreational destinations in the district. Walking distance to Whole Foods Market, ATT Park, and Draves Park 1/2 block away make this a city dwellers dream location.  Each freshly remodeled spacious two-bedroom two-bathroom home at features hardwood floors, high-efficiency lighting, all new kitchens with stainless appliances, modern bathrooms, large bedrooms and stunning open floor plans with Bay Windows. Storage and In Unit Laundry Room included. Low HOA fee. Asking $549,000-$595,000. Walkscore of 98, Transportation score of 100, Great Biking.

Early OPEN Sunday 1-4:30PM. Call Erika, Showing Agent, for private viewing 415-321-7076, Erika Burke, Top Producer DRE#01386234

www.181Russ.com

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Blog Post: San Francisco Realtor endorsed by 1st Time Homebuyers.

 

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Duffy Family pic

A special endorsement for me as a Realtor, from a lovely family, 1st time home buyers in San Francisco.  I’m so grateful!  Thanks Duffy Family, enjoy your new home!

“Dear Erika,                                                                                                                                                                                                                 I wanted to take a minute to thank you for helping Gerry and I through a process that became a lot more complicated than we expected. Words cannot express our gratitude for all of your patience, veracity, and guidance in buying our first home. We knew buying a house would not be easy, especially buying a probate, but you were there every step of the way to make sure we felt comfortable and confident in our decisions. You knew all the in’s and out’s of this complicated purchase and became our personal cheerleader :). We would recommend you in a heartbeat to anyone who is looking to buy a house…..in any city! Your great attention to detail, creativity, and profound knowledge in real estate is amazing.  We are forever indebted to you!”                                                                                                  With Sincere Thanks,  Stephanie and Gerry Duffy

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The Inside Scoop for 1st Time Home Buyers for a successful San Francisco Home Purchase right NOW!

Young Couple9 Tips for making a successful purchase in the current Sellers Market

As you know inventory in San Francisco is at its lowest mark in more than seven years.  With such a low supply comes steeper competition which can put 1st time homebuyers at a disadvantage.  I like to look at it as an opportunity to be informed and prepared.  (Tips at the end)

Evaluating property and the market.

A Discussion:

With low inventory the first time home buyer may be going up against investors who are also targeting the bargain-priced or lower priced homes that are in the same pool in which you are looking.  Investors and contractors come to the table with buying power, large down payments and/or cash, which can edge you out of the deal.  One strategy is to prepare to compete.

In a Sellers market, a strategy that is often employed by listing agents, are to list the homes for well under the market, in hopes of attracting a large number of offers.  This means each home must be individually evaluated against the market to see if this is the case.  If so, the buyer must be prepared to bring their offer in at the regular market price which can be substantially, sometimes $10k-$100k or more over the inappropriately low asking price.  Just because a price is listed, it does not reflect the market value or the actual final purchase price range.  Conversely, some homes do not require an overbid and your agent will be able to advise you accordingly. Continue reading

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Hayes Valley Tech Couple Endorse Realtor

I’m so grateful that my recent sale of 432 Ivy Street, San Francisco, CA, a  single family, 3 Bedroom, 3.5 bath home for $1,380,000. located in Hayes Valley was purchased by  a beautiful, charming and newly married tech couple which resulted  in the following endorsement. 

1st time homebuyer’s, Dan and Kristine said, “Thank you again for being so wonderful during the process!”

“Erika was extremely helpful during the home buying process.  She worked closely with us to understand the type of property we were
interested in and helped us find many places to look at so we could continue to refine what we wanted.  Once we found a place she did an amazing job helping us come up with an aggressive pre-market offer.

She put together and submitted the offer over a few hours on the weekend and was super responsive to all of our questions.   She was always on top of what needed to be done, worked closely with the mortgage officer to make sure everything was moving smoothly for a very fast closing window.  We were very pleased with Erika and highly recommend her to anyone in the real estate market.”

Having strong representation in a competitive market helps.  Give me a ring and let’s match you to your home  or help you to sell and move ahead soon!


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City Art Gallery Reception! Great art!

On Friday November 11, I had the privelege of attending an opening and reception for more than 20 artists at City Art Gallery located at 828 Valencia St in the Mission District.

It was coincidentally the Day of the Dead with a celebration and parade in the Inner Mission, so the streets were filled with painted faces and revelers.  An exciting nite in the Mission, which comes alive at night with cafes, shops and pubs welcoming everyone!

This gallery is co-operative, so 80% of the proceeds of any sale go directly to the artists.  The gallery sells more than $100k of art per year and showcases a wonderfully diverse set of artists, that change monthly.  There is always something new to see like oil and acrylic paintings to giclees’ jewelry, handcrafted objects d’art, wood block prints, printmaking pieces.  Link to on-line gallery:  http://www.cityartgallery.org/gallery.html

Their concept is that the artist pays to become a member, joins the group, then pays to showcase their art in any month of their choosing and contributes time to meeting before the reception, hanging their own art (placement by lottery) and /or participates in the food and beverage service for the reception.  I love how affordable this makes it for emerging artists or anyone, to show their art in a gallery.  Of course, the art must be juried first!

Make sure to stop into this hip and happening gallery and enjoy the revolving exhibitions. Support your local San Francisco artists and make a purchase.  Art is priced between $100.-$1000. – quite affordable!

I attend many art openings, always promising that I’ll keep my pocketbook closed, though the temptation is great and I feel wonderful purchasing art and supporting artists, being a painter myself.  On this night, I couldn’t resist and I purchased a wonderful ‘Vamps Gallery’ woodblock print from artist Katie Gilmartin, a successful studio artist in San Francisco.  She’s a fun character herself and her art is so ‘Pulp’ and well done., mounted on beautiful french pulp paper and framed.  Double Pulp!! She offers limited editions of her prints.  www.katiegilmartin.com

  

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20 Parkridge Dr. #9 – Twin Peaks

Fabulous Downtown Views from this 2 Bed, 1 Ba.  2nd SOLD in this remodeled development of 12 Units. Garage, Deck, Storage, In-Unit Laundry,  Other Units available. SOLD for $519,000

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20 Parkridge Dr. #12 – Twin Peaks

Recently Developed & Remodeled  2 Bed/1 Ba TIC with  Sweeping SF Views, New Kitchen & Bath, Deck, Garage, Storage.  SOLD $535,000.

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Tiburon Home – a Magnificent Natural Beauty

High atop a Tiburon hillside ridge, nestled across from Angel Island with a sweeping view of San Francisco and the East Bay is an architectural masterpiece of a home built in 1995.

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Vanguard Properties presents this one-of-a-kind home of 4 Bedroom, 4.5 Baths with 2 car parking. Carved out of the hillside is an earthy enclave of natural limestone and granite, carefully orchestrated to blend seamlessly with the California landscape. Most charming is a path that leads around the perimiter of the property and around the house to view from each window where there is a real sense of nature and relaxation.

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Forest Knolls and its’ SF Overlook Development

SF Overlook Development, LLC have completed their environmental review with pending planning approval to build a proposed 34 units on the hillside below Crestmont Dr. in San Franciscos’ Forest Knolls neighborhood.

Crestmont Preservation is an organized group of home owners and community members with the common cause of preserving the quiet and peaceful enjoyment that is their right as homeowners.  Their primary concern is the additional 340 person trips, (136-170 car trips…based upon round trips per person for average of 5 residents per 2-3 bedroom unit per day), moving through this quiet, residential neighborhood of narrow, hilly streets along with the increased density this large development will bring to the end of this cul-de-sac, already the city’s longest.

SF Overlook states their 34 unit project is 44% less units than the max allowed by zoning.  The mix of units are two and three bedroom family townhomes and one 11 unit building.  This project will improve hillside stability through water management, new retaining walls and drainage improvements.  They propose to add 51 off-street covered parking spaces and will apply for up to 68 parking spaces Continue reading

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Luxury South Beach Loft-1 Block from San Franciscos’ Waterfront

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Currently available is loft #130, 1535 Square Feet of cool modern living featuring two, 17 ft. windows spanning 2 levels. The unique entry level includes a tasteful modern kitchen with sub-zero fridge, room for dining before your floor to ceiling windows,  and a half bath, wrapped up in sleek steel, concrete and iron design elements, highlighted by inset and spot lighting.

“The surprise is the mezzanine and 2nd loft level Grande En Suite Master Bedroom”

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San Francisco South Beach Luxury Living at 200 Brannan #130

Last week I blogged about a gorgeous penthouse #506 offering for $1,250,000. at 200 Brannan in San Francisco’s South Beach waterfront neighborhood, which is still available.  Today, a beautiful 1535 SF 2 story loft in this luxury Condo Building has come to market.

This 2 level loft, #130, includes a second full bath on the main level and a large master suite on the upper level.  The mezzanine is large enough for a home office or family room. This is a plushly decorated secure full service building with door man, 24 hour security, included garage parking for 1 independant and exercise facilities plus recreation room for private parties.  Offered for $1,049,000.

One block from the Waterfront and near 2nd Street Cafes and boutiques.

Everything about 200 Brannan is luxurious and the perfect fit for the discerning full service condominium seeker. Please phone for your appointment to view this home.

Erika Burke – Accredited Buyer’s Representative (ABR), Vanguard Properties, [email protected] 415.321.7076 www.liveinluxurysf.com

For more about 200 Brannan please review my prior post http://erikaburkesf.com/?p=2004

 Listed by Eric Turner, McGuire Real Estate

 

 

 

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New to Market! Nob Hill Condo Hot spot-Available Now! Cathedral & Bridge Views!

A new San Francisco real estate market offering today is 1201 California St. #507 near Pine Street atop Nob Hill,  is a wonderfully priced condo opportunity for 1 Bedroom and 1 bath in an exclusive neighborhood with Views of Grace Cathedral and the Golden Gate Bridge. Blocks from Union Square, the theatre and financial Districts, the location is superb.

You are greeted by the door man in this elevator building. The kitchen features a beautiful marble countertop, laundry is available in the building. The bath includes French doors and finishes in keeping with the period. Enjoy views from the Living Room and Bedroom, carpet and slate flooring. New Homeowners will meet with board approval. Included is 1 indpendant parking space.

The building was made famous by Dashiell Hammets’ Maltese Falcon.  Built in 1926, it features ornate architectural details as San Francisco’s treasured Cathedral Apartments.  The building offers a Charming Roof Deck to take in the City’s most outstanding views.  Offered for $475,000. Shown only by appointment, please call to arrange your  showing and for further information.   

Erika Burke – Accredited Buyer’s Representative (ABR), Vanguard Properties, [email protected] 415.321.7076 www.liveinluxurysf.com

Listed by Paige Dew-Ewing, BHG Mason McDuffie Real Estate
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Facts about the San Francisco Real Estate Market-Right Now!

As Reported by the San Francisco Association of Realtors (SFAR), April Market Focus Report.
Reporting on Single Family Home and Condominium Sales in San Francisco and the state of our current market plus future projections. Low Inventory, rising prices, lots of buyers, high end is moving. Sellers should feel confident to list during this opportune Seller’s Market.

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As Inventory Remains Low and Unchanged,
San Francisco Homes Sell Even Faster
Just as last month, many new home sellers continue to have confidence that the market is on an upswing and that housing prices will soon accelerate. As a result, the vast majority of them have decided to hold off on listing their properties for sale, keeping the city’s inventory low. Making matters worse, the flow of distressed properties from the banks has lessened, making it more difficult for buyers to find properties even though interest rates have remained low. The congruence of all these economic factors occurring at the same time is resulting in the current seller’s market, where sellers have more leveraging power over buyers who are competing against a limited pool of properties.

Single-Family Home Sales

While the city’s inventory of single-family homes for sale dropped by 29.4 percent compared to March 2011, it did not exceed February’s level this year. Still, despite the low inventory, the number of homes under contract continued to improve by as much as 19.9 percent compared to this time last year, while the number of homes sold fell by only a slight margin of 2.8 percent.

For homes that were priced below $700,000, the months of supply inventory fell by 65 percent to one month. For higher-priced homes between $700,000 and $1.2 million, the months of supply inventory fell by 56.1 percent to also one month. It comes as no surprise that a number of real estate web sites currently rank San Francisco high among the nation of cities where homes sell the fastest.

One region of the city which continues to experience healthy sales activity is the area in the mid-western part of town, known as Twin Peaks West. Since March 2011, the number of homes under contract here has risen by 14.7 percent. Twin Peaks West has a total of 16 neighborhoods, with Mt. Davidson, the highest natural point in San Francisco, at its center. With its elegantly landscaped streets and a variety of architectural styles, including Craftsman bungalows, Mediterranean, and Mid-century, homes here are very desirable. The median price for a home in Twin Peaks West is about $837,500.

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World-Class Luxury Home Shopping in San Francisco

Surrounding Union Square are some of the Cities best offerings for those looking for that exclusive luxury home vase, work of art, custom upholstered furniture or unique, one of a kind accessory to add to your homes elegance?  San Francisco hosts a myriad of luxury home stores for you to fulfill your decorating itch. 

Try Gumps, a harbinger of elegance and sophistication,  at 135 Post St. in San Francisco.  ‘Ohh and ahh’ through their beautifully dressed retail store.  Contact their concierge to host your private event, cocktail reception or dinner, bridal event or arrange a private seminar with one of their designers or artists. 

Nearby find Neiman Marcus at 150 Stockton Street, now showing Spring Home Trends like their “Global Perspective, New Preppy, Nouveau Cottage, Coastal Charm and the traditional Country Estates”.  Designer’s like Lily Pulitzer, Calvin Klein Home, Mac-Kenzie Childs, and Jonathan Adler contribute to the homes collections.  For Baccarat and Lalique, this is your destination. 

This Friday you can catch Barton Perrerias’ Sunglass Trunk show at another luxe shopping “go to”, at Barney’s New York’s San Francisco store at 77 O’Farrell Street at 11am. Barney’s sets itself appart with  its’ selection of sophisticated urban decor, tech and travel, desk, gourmet and even the dog department.

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4706 25th Street – Noe Valley

Stunning Remodel – Like New
4 Bedroom, 3.5 Bathroom on 3 levels
Penthouse Master Suite with Sweeping SF Views
Cat 5, Garage, Yard with View
SOLD $1,850,000

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Housing Starts, Builder Confidence on the Upswing

With new construction on the rise and the current affordability of homes for the median income earner, consumer confidence is returning to the real estate market.

National Housing starts rose 1.5 percent in January to a seasonally adjusted annual rate of 699,000 from the revised December estimate of 689,000, and they were 9.9 percent above the January 2011 rate of 636,000, according to the latest figures released by the U.S. Commerce Department. Housing starts for single-family homes fell 1 percent in January to 508,000, down from 513,000 in December.

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Permits for new construction edged 0.7 percent higher to 676,000 in January from the revised December rate of 671,000, and they were 19 percent higher than the January 2011 estimate of 568,000.

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San Franciscos’ Americas Cup Yacht Race

San Francisco has been positioning itself for the America’s Cup race to be held here, with the hope that it brings scores of visitors to make this a tour de force event a cash cow for our economy. The City has been negotiating a deal to fix old worn out piers in exchange for development rights. The question is the draw of the event and whether it will deliver as the City expects.

Over the next 2 years, 58 days of racing will take place. The City would benefit by the influx of attendees’ to restaurants and hotels. Slow fundraising has been a concern for county supervisors who know that $52m is earmarked to spend on prepping for the event.

Analysis of the anticipated 8,800 jobs creation, and $1.4Billion in revenue were made from other America’s cup events held worldwide. As of now, only 3 of the 9 expected teams have signed on for the 2013 finals.

The America’s Cup organization stands behind its forecast, while some supervisors believe the projection is grossly overestimated. San Francisco has a world renown sailing tradition, multiple yacht clubs, visible weekly Regatta’s on the bay which will have us looking forward to seeing if this event brings the funds, crowds and participation anticipated or is a complicated way to repair a waterfront badly in need of attention….and it looks like, possible development.
www.Americascup.com

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Take a walk on the wild side

There is a special natural fabric of the city that is made by its’ open preserved space.  Golden Gate Park, The Presidio, Fort Funston, Fort Mason, Stern Grove, Mountain Lake Park, and Lands’ End. These spaces provide leisure activity in the form of hiking, walking, biking, picnicking and more. 

Take a approx. 3 mile round trip hike from near the Cliff House and Sutro Baths’ on a bay ridge trail with outstanding views to reach Lands end outlook bordering Sea Cliff neighborhood.  Travel to the base of Presidio to find Crissy field, an old airstrip on the former Army base that serves as a greenbelt for a lengthy bayside trail that leads from the Marina District to the Golden Gate Bridge.  The Presidio itself has multiple hiking trails where you can be among the trees and get away from it all, stretching from Crissy field all the way to Laurel Heights and the Richmond District.

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San Francisco based Real Estate firm announces their “21 Club” of Top Producers for 2011

Today Vanguard Properties, the well-known San Francisco real estate firm headed by Principal James Nunemacher for nearly 30 years, announced the “21 Club” Top Producers of Vanguard Properties for 2011, including Erika Burke.The achievements of these very hard working Realtors and Broker Associates are recognized yearly by the firm, in alphabetical order, are as follows:

Quote start“We are thrilled with all of our agents performance and this past year’s gain in what has been touted as a down national real estate market,” said Mr. Nunemacher.Quote end

The 2011 year end numbers for Vanguard Properties posted close to a 30% gain in sales over 2010. “We are thrilled with all of our agents performance and this past year’s gain in what has been touted as a down national real estate market,” said Mr. Nunemacher.

The firm is looking forward to yet another year of growth with the opening their new sales office in downtown San Francisco located at 199 New Montgomery Street.

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Houseplants are Easy-How To Secret!

Houseplants.  We are 7×7 in San Francisco.  That is 7 miles by 7 miles.  Not all of us have outdoor space, though in the City many of us are lucky to have our little slice of land in the back yard.  If you don’t have that, it doesn’t mean you can’t have fabulous greenery that is living, in your very own home.

Here is my best kept secret.  Purchase potting soil and a pot that is a little bigger than the plant you have purchased, drop in a screen to cover the hole in the bottom of the pot (purchased at a garden supply store) and some gravel or old pot shards as a small bottom layer. Ease the plant out of the pot by turn it on its’ side and holding close to the stem(s), drop it into the pot with some soil previously placed in the pot leveling the top of your new plant about 1-2” below the rim.  Surround it with soil and press the plant down, and tamp the soil down lightly.

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San Francisco Treasures, Our Museums

I confess, I’m addicted.  To San Francisco’s’ museums.  It’s true.  If you go to one, watch out, you will become addicted too, in a very good way.  There are dozens to choose from, many centrally located and accessible by public transportation.  Some are housed in architectural treasures, like the Palace of Legion of Honor on the Inner Richmond near Lands End.  Before you even enter you are entranced by the sweeping stair, the lawns and fountains, and the breathtaking view of the Golden Gate Bridge.  They offer changing exhibitions from all corners of the earth, along with their impressive old masters collection.  Last year I took in 2 exhibitions and saw a concert!

Another favorite is MOMA Museum of Modern Art,  www.sfmoma.comContinue reading

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What is a Realtor? Really.

We all know it is a professional who is licensed to facilitate the sale of purchase of real property, homes, commercial, lots and land in a given area.  But what does a realtor do?  Just show a few homes and facilitate a contract?  Hardly.

A realtor is a devotee to their clientele and their brokerage.  They often work 7 days a week, or at least make themselves available to their clientele.  They must study and pass a rigorous exam and are remanded to fulfill continuing education requirements.  They work from their brokerages and often a home office.  They do their own accounting and pay taxes from each commission.  They place their own advertising, attend networking events to raise their profile, they learn to brand themselves for their specialty.

Realtor’s are social networkers who have mastered technology and social networking skills to promote themselves, your listings and attract buyers through business building on the internet.  They use computers, tablets, smart phones, faxes, electronic documents, copiers.  They design and use mailers to connect with the public and their clients.  They know about bulk mail, folding machines, types of paper.

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Happy New Year Everyone! Jan 1. 2012

Celebrating New Year’s, is kind of like a collective birthday, except there are no candles to blow out when you make your wish known as “The New Years’ Resolution”.  I quizzed a dozen people at our annual office party and came up with a dozen different resolutions.  “To get my teeth whitened, and work on smiling more”.  I liked that one….it was easily achievable.  How about, “learning to balance work and play, since I work all the time”.  I’m still waiting for the answer to that one myself.  “I’m going to be nicer to my ________”.  If you fill in the blank with husband, then I say – good luck.  There’s not a wife on the planet that has successfully fulfilled that one, in my opinion.  Never to late to try though. Starting the year with the thought is as good as making it happen.  Reasonable goal setting.

2011 was a tough year with the mortgage crisis, skyrocketing unemployment, vacillating stock market, natural disasters and a general level of uncertainty that pervaded.  A chance to start afresh with renewed zeal is generally welcomed by all.  So this holiday, replete with popping champagne bottles, fancy dress, galas and major promises to ourselves and others is a tradition that unites us globally in a promise for a brighter, better tomorrow.  At least after we recover from the festivities!

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Maiden Lane-The Quaint Shopping Street you don’t want to miss

Talking about Union Square for holiday shopping, take a seat on the parks’ steps or benches in the center and watch the passerby while you determine what world class shop to visit!

Weekends you may find art events, performances and in the winter an ice skating ring.  A preserved plot of land that can never be built on due to a trust of its’ original owner.  Around the square are some of the most famous stores in the world!  This is luxury shopping  and dining central, but know that a deal can still be had.

My favorite secret of the area is Maiden Lane.  A 2 block side street between Geary and Post, featuring shops like Hermes, Chanel, Marc Jacobs, Prada, Brittex Fabrics, a number of salons and  charming little cafes with outdoor tables.  During the day, the street is blocked to traffic for easy navigation and dining.  These are the back door entrances to these highly touted shops, making your journey quaint.  Take in their windows that change regularly for some high art window dressing.  When the ballet season began last year, almost every vendor featured mannequins with authentic vintage ballet costumes.

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Appraisers Add Form to Help Value ‘Green’ Homes

The Appraisal Institute recently released a form to help appraisers factor in energy-efficient home features when valuing homes. The forms can also be used by real estate agents in describing “green” properties on the MLS, the Appraisal Institute notes.

Everything from a home owners’ energy efficient appliances to solar panels may now get more attention from appraisals with the added form.

The new form allows appraisers to identify and describe a home’s green features. It will serve as an optional addendum to Fannie Mae Form 1004, which is the appraisal industry’s mostly commonly used form for mortgage purposes, used by Fannie Mae, Freddie Mac, and the Federal Housing Administration. Continue reading

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Tips for meeting down payment requirements

Borrowers qualifying for mortgages today are paying for the excesses of yesterday. During the go-go years leading to the crisis, underwriting rules became incredibly lax, and now they are excessively restrictive. Mortgage underwriting rules have become increasingly detailed and rigid, with much less room for the discretionary judgment of underwriters.

To help borrowers deal with this problem, I am developing a program for my website that will show potential borrowers whether they qualify, the type of mortgage for which they qualify if they do, and exactly where they fall short if they don’t. Continue reading

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Starring San Francisco, CA

San Francisco doesn’t get much media attention outside of the tech bubble. So I was very excited when Contagion — a star-studded action thriller about an international pandemic— filmed on our streets. (I kept walking my dog around Washington Square park hoping he would be asked to be an extra. no go.) The film was shot all of San Francisco with the intention of highlighting their location in the city.

Filming movies in San Francisco pumps pride into city residents, and money into the economy. Hopefully we will start to see more and more movies filming here! Up next is the HBO production “Hemingway & Gellhorn,” starring Nicole Kidman and Clive Owen.

What are some other famous films starring the City by the Bay? Here are some of the Estate’s Groups favorites:

MILK Sean Penn earned an Oscar when he portrayed gay activist Harvey Milk in the rally cry for equal rights. Follow the uber-talented supporting cast (Franco, Hirsch, Brolin) through the Castro in the ’70s, a.k.a. a pretty entertaining place to be.

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Estates Group’s preferred Stager

Robin Chudy of Robinsnest Design is a stager whom we rely upon to add the furniture, design and staging that make our listings so appealing.

Robin has a wonderful eye, and always consults at the beginning of our listing process to make sure she has the right vision for the space.  She adds custom art (many of the pieces painted by Robin herself).  Robin goes the extra mile – making sure her stages remain pristine throughout the showing process.  I know that when Robin is called in to stage an Estates Group Listing not only will the job  be done with no fuss or issues, but it will exceed our expectations.  To see a sample of her work, visit our current listing at 450 San Bruno Ave., San Francisco, CA 94110.

 

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Retail Therapy for Luxury Shoppers at Stonestown Galleria, San Francisco

Yesterday was a Saturday and it included some retail therapy at the closest mall on the West side of our City. Although San Francisco Real Estate requires a real devotion of time and energy,  I got lucky and took a moment to “get a little early holiday shopping in”.

Convenient to West Portal, St. Francis Woods, Lake Merced, The Sunset, Forest Knolls and Twin Peaks.  Stonestown Galleria Shopping Mall is located on 19th Avenue near UCSF and the entrance to the 280 FWY. Besides the traditional shops like Macy’

s, Victoria’s Secret, Williams-Sonoma, L’Occitane, Godiva Chocolate, See’s Candies and more, there are several restaurants outside of the food court, Chevy’s and Olive Garden (both great for kids). The food court has wonderful choices, its’ true, like Sushi, a juice bar and so forth.  Trader Joes is located in front of Nordstrom with street access and plenty of parking too. Continue reading

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6 tips for a higher credit score

Your credit score, calculated from information in your credit report, is a measure of how good a risk you are to a credit grantor. A large proportion of borrowers who can’t qualify for a mortgage would qualify if their credit score was higher.

The theme of this set of articles, that many borrowers can repair their own qualification credentials, applies as much or more to credit score than to down payment or income. Continue reading

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