Unlocking the mysterious of home buying - APRIL 7th

Ever wish that all your questions about the home buying process could be answered at one time?
On Thursday, April 7th, 2011, 2500 Market St(enter on 17th), 6:30 – 8:00 will be “Unlocking the mysteries of home buying”. Informational and a question and answer seminar.
During the seminar you will learn: everything about the home buying process, When to buy, how to decide how long to hold a property, how to choose a realtor, what the mortgage process is all about, the importance of home inspections, escrow, closing and moving
Register by sending an email to: rubysmith@zephyrsf.com, type “Seminar” in the subject line

Ruby's Great Buys in San Francisco

Ruby’s Great buys in San Francisco
Inventory is picking up and the prices are phenomenal. Please contact me if you would like to know more about these great values

Here’s a list of what I think this week is a great buy in San Francisco:
• $759K 618 28th Av 3 bed/ 1 ½ bath in the Richmond Beautiful home
• $598 k 84 Coventry 3bed/ 2 bath needs a little updating(kitchen) but what a value for the location
• Noe and Eureka Valley are experiencing a lot of new inventory at amazing prices.
• $963k 821 Folsom #409, Huge 1453 sq. ft. 2 bed/ 2 en suite bath condo with huge patio and the best weather
• $275k 631 O’Farrell Large Studio at the Hamilton. Corner unit, 14th floor great views, and downtown location
• $399k 140 South Van Ness 1 bd/ 1 bath 6th floor w/ balcony4
• $549 615 Peralta, 2bed / 1bath, BIG views

Martgage Rate inch up but are still the lowest in over 30 years

Following mortgage interest rates is as important as watching property values when trying to make the decision when to buy your new home
Please talk to me about this information or feel free to contact any of the loan brokers listed on this statement

Guarantee Mortgage / SOMA For more information: TEAMZ@GMWest.com

WEEKLY HOT RATES 1/26/2011

30 Yr Fixed Conforming to $417K 4.625%
"1.000" POINTS APR =4.625%
30 Yr Fixed Jumbo to $729,750. 4.875%
"1.000" POINTS APR =4.988%
30 Year Fixed Jumbo to 1 Million 5.375%
"1.000" POINTS APR =5.564%
5 Year Fixed Jumbo to $729,750 3.250%
"1.000" POINTS APR =3.244%
7 Year Fixed Jumbo to $729,750 4.000%
"1.000" POINTS APR =3.244%
30year Fixed FHA Conforming 4.500%
"1.000" POINTS APR =4.685%
INTEREST ONLY OPTIONS AVAILABLE
WE ARE FHA APPROVED - LOANS TO 95% AS WELL AS REVERSE MORTGAGES
SUPER JUMBO LOANS UP TO $5,000,000.
COMMERCIAL LOAN FINANCING AVAILABLE ACROSS THE COUNTRY
SPECIALIZING IN CONDOS, TIC'S, LOFTS FOR PURCHASE AND REFINANCE

Rate Index
1 Year Libor 0.780%
MTA Monthly T-Bill 0.318%
COFI-11th Dist 1.571%
6 Mo Libor 0.455%
Prime Rate 3.250%
* Rates and Programs Subject To Change without Notice

Your GM Team Partners
Dean Rizzi dean@drlending.com 415.694.5533
Sergei Andruha sergei@gmwest.com 415.309.0157
Natasha Lovas nlovas@gmwest.com 415.694.5544
C.J. Kerls cj@kerls.com 415.586.6003
Stephen Barber sbarber@gmwest.com 415.694.5550
Peter Elting pelting@emwest.com 415.694.5520
Phillip Cannon phillipcannon@mac.com 415.694.5509
Real Estate Broker, CA Dept. of Real Estate License #01370741