I started in this business 30 years ago as a single mother. I worked diligently to make this business work by keeping the customer top of mind always. Failing wasn't an option. I provided superior service, knowledge, expertise and the hand holding people needed to get through the most important and biggest financial decision a person makes.
No stone will be left unturned to assist a client in their financing. Where there is a will there is a way. I have always strive to be a passionate caring understanding broker that has the customers best interest at heart. I was referred to Karen and team by a friend who had a great experience working with her for his home purchase the year prior.
No stone will be left unturned to assist a client in their financing. Where there is a will there is a way. I have always strive to be a passionate caring understanding broker that has the customers best interest at heart. I was referred to Karen and team by a friend who had a great experience working with her for his home purchase the year prior.
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Karen's clients describe her as HONEST, THOROUGH, DETAIL ORIENTED, a GOOD LISTENER, and a PROBLEM SOLVER! Nothing pleases Karen more than making her clients' dream of home ownership come true. Whether they are buying that million dollar home or first time home buyers, she spends the same amount of energy to please her customers.
Home Purchase Loans
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Most home buyers can't afford to buy their home upfront without a loan. A home purchase loan allows you to borrow a significant amount of money to buy a house, using the property as security. Choosing the right home purchase loan is essential, especially in San Francisco, Berkeley, the wider Bay Area & the East Bay where house prices often exceed a million dollars.
Home Refinance Loans
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It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
FHA Loans
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In 1934, the Federal Housing Administration (FHA) was established to improve housing standards and to provide an adequate home financing system with mortgage insurance. Now families that may have otherwise been excluded from the housing market could finally buy their dream home. FHA does not make home loans, it insures a loan; should a homebuyer default, the lender is paid from the insurance fund.
Reverse Mortgage
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A Reverse Mortgage is a unique loan that allows you to access a portion of your homes equity. These loans are designed for older homeowners and do not require monthly mortgage payments. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home.
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