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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 1 : Changing Market Solutions with TJ Roberts, Mortgage Loan Originator and Branch Manager
It's no secret that sellers often need to offer mortgage points to potential buyers to sell a home.
- What many people don't realize, however, is that even if you're the homebuyer, it's sometimes worth your while to pay points too.
- How do rising interest rates impact the market?
Let's examine why paying points might be a good idea in today's market.
1. What is a point, and why do sellers pay them?
2. How does buying down the interest rate work?
3. What are the benefits of buying down the interest rate?
4. What are points and how do they work when buying a home?
5. When is it a good idea to buy down the interest rate?
Special Guest:
Tanja “TJ” Roberts has been in lending since 1986, starting as a summer job that has been a wonderful endless summer. She has worked in many facets of the industry including: Underwriting, Closing, Escrow, Appraisal, Corporate Training, Account Executive for Wholesale, Branch Sales Manager, District Sales Manager, Mortgage Loan Originator and Branch Manager for Retail Branch.
TJRoberts@prmg.net
408-802-8522
License CA-DBO1457455
NMLS# 1457455
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