When you’re looking for the perfect home, the details matter. We use our years of experience to advise you on the San Francisco market and help you find the right house at the best possible price and terms.
As your Realtors, we work with you to find a home you love. Not just any home so we can close the deal, but the home that works within your budget and meets your needs – for both now and in the future. We visit more than 100 homes a month, which means we know a hidden gem when we see it and can help you see the potential (and pitfalls) of each property.
Most of all, we handle all the details with the utmost care and discretion. Your personal and financial information is treated with sensitivity, and we always put your best interests first. That’s our promise to you.
I have managed salespeople for almost 15 years, and can honestly say that I've never met one with a more perfect blend of faithful commitment to her clients' stated priorities, relevant knowledge, instinctive grasp of exactly how far a boundary can be pushed, and tireless dedication to her craft and process. I'm not embarrassed to say that I learned more about my own profession by watching Ruth in action.
The truth is, when you hire a Realtor to help you buy a home, you want someone who can help you win the home you want. That’s what we do for our clients – over 80% of our buyers get into contract on the first or second offer.
WITH A LENDER
As a top performing San Francisco real estate team, we handle all details to help you realize your dream of home ownership. As your Realtors, we always go the extra mile to ensure that we not only help you find the home you want, but we can win it for you! When it comes to getting your home sold, we have the best marketing plan in the business and will do what it takes to get you the highest possible price.
“Renting can make sense as a lifestyle choice or because of income constraints. As a means to building wealth, however, there is no practical substitute for homeownership.” – New York Times, “Homeownership & Affluence,” 11/30/14 op-ed article
We thought you might have a little fun playing with calculations. You may perform calculations based upon your own specific financial situation and future projections, and can also see the definitions for all the terms used in this analysis here:
Please Note: Rent vs. buy calculations can be performed a variety of ways, and results will depend on your own financial circumstances and economic projections, which you should review with your accountant. The below calculations represent just one scenario.
This rent vs. buy analysis compares the monthly housing cost of buying a San Francisco home at the Q4 2014 median sales price of $1,050,000—adjusting for tax deductions and principal pay-down of the mortgage—with the cost of renting a San Francisco 2-bedroom apartment at the Q4 2014 median asking rent of approximately $4500/month (per Rentbits.com). It also attempts to compare—while adjusting for inflation and other factors—projected asset appreciation between investing the down-payment monies (instead of buying a home) and using them in one’s home purchase.
Assumptions: 20% down-payment ($210,000); 30-year fixed-rate loan at an APR of 4%; and closing costs; property taxes; ongoing insurance and maintenance costs; annual inflation (2%), outside investment returns (3% after taxes) and home appreciation rates (5%) – all at what seems to us to be reasonable projections. We’ve used a combined income tax rate of 25% for the mortgage interest and property tax deduction. But when projecting variable economic factors over long periods of time, many of these figures will simply be best guesstimates.
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Home Buying as an Investment
Home Buying Process in Detail
Interviewing a Real Estate Agent
Making an Offer on Real Estate in San Francisco
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Renting vs Buying a Home in San Francisco
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The Home Search
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Landlord Tenant Issues In San Francisco
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Holding Title to your SF Home
Mortgage & Rent Vs. Buy Calculators
San Francisco Real Estate Market Dynamics
Glossary of Real Estate Terms
The Escrow Process
Using Out of Area Lenders and Loan Agents
What Dual Agency Means in Real Estate
Arbitration and Liquidated Damages Clauses
Condo Conversion in San Francisco
Red Flags in Preliminary Title Reports
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Home Search Mobile App
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San Francisco School Parents Group
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School Academic Ratings
SF Public Schools Map
Planning: Know Before You Buy
Guide to SF Neighborhoods
Here’s a calculator that you can use to determine your estimated monthly mortgage payments. You can adjust any of the fields independently.
Change any combination of fields to calculate.