415-515-9351 danjoyrealty@gmail.com​ “Serving Our Veterans and the Bay Area Community"

Why Do We Sell Our Homes?

Life is dynamic and the Bay area is dynamic. We have migrated for centuries due to scarcity of land from population increase, cultural barriers, and simply a great desire for a better quality of life. It is my job to be cognizant of this and make your transition as easy as possible. Here are some reasons that we decide to move either because we have to or we want to. If you fall  in one of these categories I can help you. Too Much House The “GI” Generation Born 1901-1924, The “Silent Generation” Born 1925-1945, and The “Baby-Boomer Generation” Born 1945-1965  have seen your family grow up where many move out of the house and out of the area. Some are still at home. You want a smaller home, see the value of your home now and can take advantage of proposition 60, proposition 90 tax benefits, or a reverse mortgage. Mostly, you are getting tired of maintaining such a big house. Safety and health forthcoming health issues. Physical ailments such as knee or back problems make it difficult to climb stairs in a two-story, so a one-story home may be more practical. A trade-off solution is to buy a townhouse with easy upkeep, a condo, or move into an assisted living housing location that has all of the amenities close-by and everything on one level. Retirement. Active-adult communities are attracting many buyers like yourself over the age of 55. These planned communities have golf courses, club houses, workout facilities, week-end social gatherings, back-yard barbecue parties and more, all designed for people over 55 where there is commonality and...

VA Financing Options

The VA Loan is awarded for Honorable service to the defense of the United States against enemies foreign and domestic and the service member should receive pricing that is fair and reasonable. VA financing offers many advantages but service members and veterans should not rule out other types of home loans or other lenders. It’s always a good idea to compare the costs and terms of the VA loan with FHA and conventional financing as some lenders charge higher interest rates, more closing costs, have longer close of escrow periods, and less communication due to the size of the company . The VA loan may be a good value if the buyer does not have cash for a down payment. On the other hand, if a military buyer or veteran has adequate cash and can qualify for a conventional loan, making a down payment and avoiding the funding fee may be a better choice. Usually the VA loan is hands down the best loan to attain due to the lower interest rates, non-mortgage insurance, no prepayment penalty, insured by the government, and a fantastic debt to income...