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Housing Market Savvy
Housing Market Savvy with Pat Kapowich: Real Data. Real Experience. Real Market Intelligence.
Navigate the Bay Area real estate market with veteran Realtor® Pat Kapowich, the "Market Wise" columnist for the Mercury News and Bay Area News Group. Since 1988, Pat has guided hundreds of clients through every type of market cycle across five counties in the San Francisco Bay Area—from the savings and loan crisis, the dot-com boom and bust, to the 2008 housing crash and the pandemic surge.
As a Certified Real Estate Brokerage Manager (CRB) and Certified Trust and Probate Specialist (CTPS), along with holding additional designations such as CRS, ABR, GRI, and SRES, Pat translates complex market trends into actionable insights for homebuyers, sellers, and property owners. Pat is your trusted source for housing intelligence, based in his hometown in the heart of Silicon Valley.
Pat Kapowich | Kapowich Real Estate Market Intelligence | SiliconValleyBroker.com | CalDRE Broker #00979413
Housing Market Savvy
Part 2: Loan Originator / Branch Manager TJ Roberts -
Want To Learn About Lending Issues in this Housing Market?
- Use These Real Estate Loan Strategies and Techniques to Achieve Smoother Home Sales.
- I have been interviewing real estate industry experts for 25 years.
- During that time, I have shared tips, mistakes, and examples from industry leaders.
TJ Roberts has mastered all residential real estate lending levels for over 25 years. She has invested so many hours into her craft that I must share her knowledge with you.
Topic #1: Fixed Rate vs. Adjustable Rate Home Loans
Three different types of lenders:
- Banks
- Mortgage Brokers
- Portfolio Lender
Topic #2: Representing Homebuyers
Seller Concessions:
- Seller Contributions
- Buying Down the Interest Rate
- Pre-Paid Interest = Points
- Closing Costs
- Alternative to Lowering List Price
Topics #3: Buydown the Interest Rate
- Permanent Buy Down
- Temporary Buy Down
- Available on Fixed or Adjustable Loans
Topic #4: Types of Loans
- Government Loans
- Veteran Home Loan Benefit
- Conventional Loan
- Jumbo Loans
- Conventional Loans
Topic #5: Mortgage Insurance
- Monthly Mortgage Insurance (MMI)
- Private Mortgage Insurance (PMI)
- Not a Penalty. It is a Real Benefit
Topic #6: Interest Rate Lock
- When to Lock the Rate
- 30, 45, or 60 Days
Topic #7: Seller Contributions for Selling
- Increase Buyer Pool
- Fewer Days on market
- Better than Price Reductions
- In a Rising Interest Rate Market
- What Closing Costs
Topic #8: Loan Application Process
- Hard Pull Credit Reports
- Soft Pull Credit Reports
- Opt-Out Website
- Secured Portal
- Loan Processor
- Loan Underwriter
Topic #9: Appraisals
- Estimate of Value
- Trailing Indicator
- Recent Closed Sales
- Bracketed Value
Topic #10 Monies
- Earnest Money Deposit
- Balance of Down Payment
Topic #11: The Escrow Process
- Escrow Office
- Escrow Officer
- Title Officer
Host Pat Kapowich is a Certified Real Estate Brokerage Manager and career-long consumer protection advocate.
Santa Clara County Association of Realtors 'President's Choice Award' "For demonstrating principles of good real estate practice; promoting and protecting home ownership and property rights; and distinguished service to members and the community."
Industry Designations Earned
- Certified Residential Specialist (CRS)
- Accredited Buyer's Representative (ABR)
- Graduate, REALTOR® Institute (GRI)
- Seniors Real Estate Specialist (SRES)
- Certified Trust & Probate Specialist (CTPS)
Since 1988, regardless of market cycles, Pat maintains a median of 9 days on market for single-family homes and 8 days for condos/townhomes.
Media & Publishing
Covered by or written for: The Wall Street Journal, San Jose Business Journal, San Jose Mercury News, East Bay Times, Broker/Agent Magazine, Bay Area News Group, and California Association of Realtors Magazine.
Pat is a lifelong resident of Silicon Valley, California. Office: 408-245-7700 | Email: Pat@SiliconValleyBroker.com | License: Broker# 00979413
Real-time market data: https://www.siliconvalleybroker.com/market