Rent or Buy Your San Ramon Home?

Whether You Rent or Buy Your San Ramon Home, Either Way, You’re Paying a Mortgage!

Whether You Rent or Buy, Either Way You're Paying a Mortgage! | MyKCM

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your San Ramon landlords.  I have an luxurious San Ramon condo coming on the market at 380 South Overlook Drive San Ramon that backs to Canyon Lakes golf course and has views of the Valley and Hills.  Let me know if you would like advanced information.  To learn more about San Ramon, check out community details at San Ramon Community Details

As Entrepreneur Magazine, a premier source for small business explained in their article, “12 Practical Steps to Getting Rich”:

“While renting on a temporary basis isn’t terrible, you should most certainly own the roof over your head if you’re serious about your finances. It won’t make you rich overnight, but by renting, you’re paying someone else’s mortgage. In effect, you’re making someone else rich.”

Christina Boyle, Senior Vice President and head of the Single-Family Sales & Relationship Management organization at Freddie Mac, explains another benefit of securing a mortgage as opposed to paying rent:

“With a 30-year fixed rate mortgage, you’ll have the certainty & stability of knowing what your mortgage payment will be for the next 30 years – unlike rents which will continue to rise over the next three decades.”

As an owner, your mortgage payment is a form of ‘forced savings’ which allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person building that equity.

Interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were at 4.22% last week.

Bottom Line

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy.  If you want to know how to afford a home in San Ramon, give me a call or at 925-400-7007.  Together, we can go over the numbers and figure out your options.  As your local San Ramon Realtor/Broker, with over 16 years of experience, I have helped hundreds of home buyers find the perfect solution.

San Ramon Home for the Holidays

Looking for a San Ramon Home for the Holidays?

by San Ramon Realtor Jason Kerner

Are you looking for a San Ramon home for the holidays?  Maybe something in the Windemere, Bridges, or Gale Ranch area near San Ramon Valley USD award winning schools?  Perhaps you are looking for the perfect new “empty nest” because you are downsizing and still want to stay in the San Ramon area.  Or, you need more space for a growing family and want to enjoy the beauty and activities of the San Ramon area.  There are San Ramon homes on the market this time of year.  And, although I don’t have a bow large enough to wrap this type of gift, with less buyers shopping for homes, this is still a great time to find a home.

First, Start Your Search

First, you need to start looking at new homes on the market.  Check out my home search alerts at Kerner Homes Search  What type of home are you looking for?  What niche neighborhood?    Do you want a home that is move-in ready with stylish upgrades?  Are you interested in something that is low maintenance or a home that is close to local schools and parks?  If you are not sure what you want, text me.  I have been selling homes for 14 years and know the floor plans within Windemere and Gale Ranch.  If you want a home with a downstairs in-law suite or a townhouse nearby the local middle school, let me know.  I won’t waste your time with irrelevant home options.

Second, Select Your Trusted Realtor

Home buying can be an exhausting and emotional experience.  It is key to find the right Realtor that you trust and believe will keep your best interest as a priority.  With 14 years of experience as a full-time realtor, Broker and neighbor in San Ramon, I know the area well.  In addition, many of my clients refer their friends and family to me.  This is the greatest form of compliment.  Check out my numerous  5 Star Reviews .  As you read through my client’s experiences, you will find that I offer unparalleled customer service, competitive fees, and am always putting my client’s needs first.

San Ramon Realtor Jason Kerner
San Ramon Realtor Jason Kerner

Third, Start Looking at San Ramon Homes on the Market

I currently have 2 properties that just listed which may fit your needs.  The first home is 206 Promenade Lane near Blackhawk Plaza.  This beautiful townhouse has 3 bedrooms, 3 baths and 2195 square feet of living space.  It is a comfortable and spacious townhouse nearby a community spa with pool.  More details are available at .

Townhouse in Danville, Ca
Townhouse in Danville, Ca

Another home I have listed is at 2161 Goldenrod Lane in Gale Ranch.  This detached home has 3 bedrooms, 2.5 bathrooms and 2211 square feet.  With a fully remodeled master bathroom suite, brand new hardwood floors and carpet, and lots of stylish upgrades, this home is move-in ready.  To see more details, check out .

Lastly, Make an Offer

How do we know what to offer for a home?  This is where my 14 years of experience, excellent relationships with local realtors, and a clear understanding of the value of homes in San Ramon comes into play.  When we write offers, they are strong, appealing to the home seller, and offer value to the listing parties.  As your buying agent, I have great success with winning multiple offer situations.  And, as always, I keep your best interest as our top priority.

So, let’s get shopping for a new home.  With fewer buyers looking at homes during the holidays, this actually is a great time to find a new home in San Ramon.  Start looking now, select a Realtor, tour properties to see what you like, and make an offer.  If you are looking for a new home and would like a Realtor to support you, let me know.  Text or call me at 925-400-7007. . 2161 Goldenrod Ln San Ramon CA-large-014-22-goldenrod14-1499x1000-72dpi


San Ramon Realtor Jason Kerner Recognized by The Patch

San Ramon Realtor, Jason Kerner, is Recognized by The Patch

Jason Kerner, San Ramon Realtor, has a low pressure approach, dedication to customer service, 24/7 availability, and knowledge of the East Bay real estate market that make him your “go to guy” for all your real estate needs.

Jason knows how to successfully win multiple offer situations as well as how to prepare a home to sell for its maximum potential.   If your home needs window repairs, cleaners, roofing, landscaping repairs or more, Jason keeps a list of highly qualified vendors that are available to his clients at a moments notice.  Jason calls it his Vendor Concierge Service.  nexthome-site (1)

“Jason came highly recommended to us. So when we decided to purchase our first home in San Ramon, California, we immediately knew our choice. Jason responded to the first and every phone call promptly understood our preferences from discussions and observations during the first few home showings. He was patient throughout the home selection process and helped us submit a winning bid. We had a wonderful home buying experience. Even after the home purchase, we have turned to Jason as a great resource and he has always provided recommendations and advice that have been a tremendous help for us. We highly recommend Jason to any and all prospective home buyers in and around San Ramon, CA. We will be happy to talk to any of his potential clients on our experience. For any future real estate needs, we look forward to working with Jason again! Thank you, Jason!”  Zillow Review.

Jason consistently outperforms the expectations of his clients and therefore is consistently referred to friends and neighbors.  The Patch of San Ramon has recognized Jason Kerner’s excellent rapport with clients in a great article “3 Minutes on a Park Bench with Jason Kerner of NextHome Premier Realty”.  You may read the full article at Jason Kerner Patch Article.  Jason’s homes are highlighted on The Patch San Ramon. Check out his premier agent status at

If you are listing a property, Jason’s homes always outperform other homes in the same area.  His home listings get more views and have more visibility to home buyers than anyone else in the area.  This helps sell homes more quickly and for more money.  No wonder he has so many clients refer their friends to him!  Check out some of his latest recommendations at: and  If you want to work with the Realtor your friends refer, contact Jason Kerner at

Live Oak Harvest Festival Sponsored by Jason Kerner Realtor

Live Oak Elementary School’s Harvest Festival

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Sponsored by Jason Kerner San Ramon Realtor

Jason Kerner, San Ramon’s local realtor expert, is one of the sponsors for the upcoming Live Oak Elementary School’s Harvest Festival.  The Harvest Festival is a free family event that highlights the advantages of living in the San Ramon area.  The event is Oct. 21, 2017 from 11:30- 3:30.  San Ramon is known for it’s award winning schools.  Live Oak is one of those award winning programs.  This event is just one of the many excellent family events coordinated by the amazing parent community in Windemere.   The festival includes:

  • Magic Show
  • Juggling Show
  • Cake Bake Off
  • Pumpkin Carving Contest
  • Cake Walk
  • Carnival Games
  • Photo Booth
  • Halloween Costume Parade
  • PTSA Reflections Fine Arts Entries
  • Watermelon Eating Contest


The event schedule has been posted.  For event details, please see the following schedule:

  • 11:30 Welcome & Opening Ceremonies
  • 11:45 Teachers Performance
  • 12:00 Watermelon Eating Contest
  • 12:45 Halloween Costume Parade
  • 12:50 PTSA Reflections Fine Art Show, Cake Bake Off, Pumpkin Carving Winners Announced
  • 1:05 Martial Arts Performance
  • 1:30 Magic Show
  • 2:20 Juggling Show
  • 3:25 Closing Ceremonies

Come find Jason Kerner, your San Ramon realtor expert, at the event.  He will be handing out Harvest Festival treats to all the children and hosting a free coffee bar with gourmet flavored creamers for all adult guests.  Come by and say hello!

If you are interested in buying a home in San Ramon Windemere or looking to sell your home, text Jason Kerner at 925-400-7007.

Event details are available at: Live Oak Harvest Festival

638 Karina Court Listed by San Ramon Realtor Jason Kerner

638 Karina Court in San Ramon

Listed by San Ramon Realtor Jason Kerner

638 Karina Court is a sophisticated and highly upgraded Windemere home perfectly located on a cul-de-sac near parks, walking trails, and award winning schools in the San Ramon Valley school district. The estate home features a  resort style backyard with a sparking  pool and spa, which  is perfect for indoor-outdoor living enjoyment as well as entertaining.  

638 Karina Ct San Ramon CA-large-001-21-karina39-1498x1000-72dpi     638 Karina Ct San Ramon CA-large-002-10-karina1-1498x1000-72dpi     638 Karina Ct San Ramon CA-large-006-28-karina8-1498x1000-72dpi

The elegant 3269 square foot interior features 4 bedrooms, a spacious loft, and 3.5 bathrooms with an open concept floorplan.  Among the distinctive features gracing this home are hardwood floors, upgraded tiles, plantation shutters, upgraded carpeting in the generously sized bedrooms, a newly remodeled upstairs bathroom, and a designer paint palette. The main rooms include a formal  living room, a formal dining room and an open kitchen the chef will love adorned with granite slab counters, upgraded cabinetry, stainless steel appliances including a built-in refrigerator, and a large walk-in pantry.  The open, adjacent family room with gas fireplace, and built-in media center is a perfect place to relax. The kitchen and family room are further enhanced by extra high ceilings giving them a bright airy feel.

638 Karina Ct San Ramon CA-large-017-1-karina18-1499x1000-72dpi     638 Karina Ct San Ramon CA-large-014-32-karina15-1498x1000-72dpi     638 Karina Ct San Ramon CA-large-008-3-karina9-1498x1000-72dpi

Downstairs, the master bedroom suite is spacious and grand.  The adjoining master bathroom has upgraded tiles, soaking tub, dual vanities, a large walk-in closet and separate shower.  Upstairs, you will love the large loft area which can easily fit a pool table and is perfect as a second family room or playroom.  There is another large bedroom suite plus two more extra large bedrooms with a remodeled spa-like connecting bathroom with granite counters, custom sinks, and large shower.

638 Karina Ct San Ramon CA-large-011-14-karina13-1498x1000-72dpi     638 Karina Ct San Ramon CA-large-023-31-karina23-1498x1000-72dpi      638 Karina Ct San Ramon CA-large-036-36-karina37-1498x1000-72dpi

6036 Dalton Way San Ramon CA-large-006-36-daltonrev4-1500x1000-72dpi

San Ramon Realtor Jason Kerner

6036 Dalton Way, San Ramon

By Jason Kerner

If you are looking for a San Ramon Home in the Windemere Community, 6036 Dalton Way, San Ramon is the house you should to tour this weekend.  6036 Dalton Way, San Ramon will be open for tours.  Come by and say hello to your neighborhood San Ramon Realtor, Jason Kerner.

6036 Dalton Way is located on a premium corner lot, this highly upgraded East facing house comes with 4 bedrooms + loft, 3 bath, 2 car garage and 2062 square feet.  The highly functional floor plan includes a downstairs bedroom and full bathroom which is perfect for guests or in-laws. The high ceiling entrance welcomes lots of light.  Upgraded plantation shutters throughout the home are an updated design feature that gives this home a stylish look.

 6036 Dalton Way San Ramon CA-large-011-25-dalton5-1498x1000-72dpi  Other desirable features include the spacious kitchen with granite counter tops, large island and designer stained cabinets with decorative window glass and large walk-in pantry. Gas fireplace and built-in surround sound speaker system turns the living room into an entertainment center of the home.  Upstairs, the large master bedroom is bright and cheery with lots of windows.  The master bathroom has dual vanity, soaking bath and separate shower.  You’ll love the spacious walk-in closet.  Down the hall you will find the bonus loft and guest bedrooms.  Decorative ceiling fans are found throughout the home.

Corner lot homes offer more privacy and larger lots.  6036 Dalton Way has a larger backyard that is tastefully landscaped with seat wall and slate tile patio, which are ideal for outdoor living.  The low maintenance landscaping boosts of maturing trees and freshly planted blooms.  This home also affords a larger than normal side yard.6036 Dalton Way San Ramon CA-large-028-28-dalton24-1499x1000-72dpi 6036 Dalton Way San Ramon CA-large-029-22-dalton25-1498x1000-72dpi

6036 Dalton Way is located in an excellent location within walking distance to top-rated San Ramon Valley schools, multiple neighborhood parks, and walking and hiking trails.  

As your neighborhood San Ramon Realtor, I have been helping sell and buy homes for the last 14 years.   I am pleased to offer this stylish home.  For photographs and additional information, go to  

If you are looking to buy a home, let me help.  For personalized home inventory lists, email me at or sign up for weekly updates at

Why May Is the Magic Month for Home Sellers

Why May Is the Magic Month for Home Sellers  24-Beautiful-Small-Front-Yard-Garden-Design-Ideas-5


List your home at the right time, and it could sell faster and at a higher price.

When it comes time to sell a home, every seller wants the same outcome: to sell quickly, for as much money as possible.

According to a new Zillow analysis, listing a home toward the end of spring significantly increases a seller’s chances of making this happen.

In all but five of the country’s 25 biggest metro markets, the best month to put a home on the market is April or May. Homes listed in the first half of May sold nine days faster and for almost 1 percent more money than average listings. (You may have even better luck if you’re in one of the best U.S. markets for home sellers.)


The low supply of homes on the market has pushed the ideal window later in the spring. Many shoppers who start searching for a home in early spring may need to look at several homes and make multiple offers, and may still be shopping a few months later.

By May, some buyers will be anxious to avoid more disappointment or eager to get settled into a new home before the next school year — and will be more willing to pay a premium to close the deal.

The May sales boost was particularly notable in Seattle and Portland where sellers who listed in the first half of the month stand to gain the biggest price boost — 2.5 percent in Seattle, 2 percent in Portland — over the area’s average.

On the other end, typically warm weather regions like Miami, Tampa and Phoenix tend show very little variation in sales price or time on market based on listing months. Sellers in these markets will find themselves with more flexibility in choosing when to sell their home.

To apply this analysis to their own home, sellers can use Zillow’s Best Time to List tool to estimate how much listing timing will influence the final sale price in their neighborhood. Registered Zillow users access the tool by clicking the “Sell Your Home” tab on the home details page of their home, and obtain valuable information to pair with the expertise of a local real estate agent when determining the best time to put their home on the market.

Here’s a look at ideal times for listing in some of the top U.S. metros.

Thinking about selling?  Give Jason Kerner, Realtor and Broker local San Ramon expert, a call at 925-400-7007.  Jason Kerner Homes create more buzz and exposure than other homes on the market.  

San Ramon Library Grand Opening is April 15, 2017

library-900x675The newly renovated San Ramon Library is opening its doors to the community on April 15, 2017. The Library has been closed to undergo major technology upgrades and to expand the usable space from 18,238 square feet to 21,362 square feet, at a cost of $6.3 million. The renovation was funded primarily through the sale of the old city hall building. The library has been designed to meet the needs of our evolving tech savvy community. Many furniture pieces have built-in power outlets and USB ports to allow visitors the ability to easily connect and power their devices. Customers will be able to check-out a laptop for use during their visit, or use one of the many, new public computers. The second floor has been expanded to add over 3,124 square feet; with a larger meeting room that can open up to the entire second floor and features state-of-the-art audio visual equipment. The early reader area will now include two “Burgeon Seed Pods” that were purchased by the San Ramon Library Foundation. These colorful literacy nooks provide interactive panels designed to develop literacy skills through play.  SRL-View-2-LR-99-0509-1024x464

The teen area is on the second floor and provides an excellent space to work on homework and projects. Local San Ramon teenagers were polled and their feedback was used to create a space that teens will feel welcome and has amenities that meet their needs. The space has two group study rooms as well as a “technology bar” where teens can plug in their devices. The second floor also features a jazz music area that has two listening rooms. The Grand Opening event is planned for April 15, 2017, and there will be plenty of fun activities for all ages. There will also be over 6,500 new books for opening day. The renovated library will be a great addition to the community, providing a space for people of all ages to come together.

Written by the San Ramon City Report, Spring 2017 Edition.   To read the report, go to:


Chief Economist for says “Nothing is Bad for Sellers Today”

Get Moving! 4 Urgent Reasons You Should Sell Your Home in 2017

| Jan 24, 2017

If you’ve been sitting on the fence about selling your home, it might just be time to hop off. Now. To put it in other terms: 2017 is poised to be the year of the home seller, real estate experts say. So what are you waiting for?

“Sellers have been in the driver’s seat for the last two years, but this year is shaping up to be even better for several reasons,” says Jonathan Smoke, chief economist of®. “Nothing is bad for sellers today.”

A combination of factors is coming together to make 2017 a prime seller’s market for most of the nation. Here’s what’s driving it:

Reason No. 1: Mortgage rates are still low

It’s all about rates, baby. Low mortgage rates translate to lower monthly costs. Lower costs entice buyers, which is good for sellers.

Although mortgage rates have been ticking up since mid-October to slightly over 4%, the rates for a 30-year fixed mortgage—the most popular home loan—are still hovering near 30-year lows. For now.

“We expect them to hold at this (4%) level for a while and continue to adjust up,” says Danielle Hale, managing director of housing research for the National Association of Realtors®. “Mortgage rates rarely move in a straight line. They could be in the 4.6% to 4.8% range by the end of the year.”

What does that have to do with home sellers? Well, potential buyers who are armed with that knowledge might hustle to close on a home before a rate hike.

What if you’re nowhere near ready to put your house on the market? That’s OK. Even if rates nudge up by the end of 2017, they’re still expected to be low enough to seduce buyers. The tipping point is when rates reach 5%, experts say. That’s when they could put the brakes on the robust real estate market.

“If they go above 5%, we’re going to see home prices come down,” says Trevor Levin, a real estate agent with Nourmand & Associates in Los Angeles.

Reason No. 2: Inventory is shrinking

Remember in Econ 101, when you learned that low supply and high demand lead to rising prices? The same is true—in spades—for residential real estate. When inventory shrinks, available homes become more valuable. As Martha Stewart would say, that’s a good thing for sellers.

Let’s put it in perspective: In 2007, just before the housing crash, existing home inventory peaked at 4.04 million homes for sale, according to NAR data. Fast-forward to November 2016: There were only 1.85 million homes for sale, 9.3% lower than the year before—and a whopping 54% lower than the 2007 peak.

“Quite simply, sellers this year have the least competition,” Smoke says.

And get this: Not only are there fewer homes for sale, but the time those homes have spent on the market has decreased year over year as well. If priced correctly, the typical home should move quickly, Smoke says. And that’s another boon for sellers.

“Many potential sellers don’t want to think about having to prep a home for showings and deal with an indefinite period of having to keep things in perfect shape,” he says. “Fast-moving inventory limits that pain.”

Reason No. 3: Home prices are rising

Lower inventory and greater demand have pushed up home prices. The median existing-home price in November 2016 was $234,900, up 6.8% from November 2015, when it was $220,000, according to the NAR. And that’s no fluke. That was the 57th consecutive month of year-over-year gains.

Higher prices particularly benefit the seller whose property value plunged during the recession, sometimes to less than he owed. Thanks to rising prices, many homeowners whose property was underwater can now sell without suffering a big loss.

“2017 will be a rare ‘balanced market’ for buyers, because even though mortgage rates are edging up, many sellers have recovered enough equity to be able to afford to sell,” says Colby Sambrotto, president and CEO of

Reason No. 4: Job markets are strengthening

As unemployment decreases and wages (finally) increase, consumer confidence will climb. Increased confidence will spur buyers to jump into the market—which is, you guessed it—more good news for sellers.

These pieces of the puzzle create a “virtuous cycle,” Smoke says. It’s not a term he coined, but it’s one he hasn’t had a chance to use in many years.

“These things are all connected,” Smoke says. “If people are confident, they’re more likely to buy big-ticket items like houses and cars. And then they spend more money on other things. It reinforces the economy, creating a virtuous cycle.”

The only ‘bad’ news for sellers

If you sell your home today, you mostly likely will buy another. Then, all the economic factors that worked in your favor as a seller will work against you as a buyer.

Sellers have a few options. You can rent for a while, and hope that prices come down in the future. But whatever you save on the price of a house you could surrender when mortgage rates climb to 6%—as predicted for 2019 and 2020, Smoke says.

The take-home lesson: Don’t wait, because mortgage rates won’t.

“There are opportunities for a seller-turned-buyer who wants to downsize in this market,” Smoke says. “You can lock in financing rates that you’ll never see again, and very likely make the trade-off work.”

Kerner Real Estate Team 2017 Housing Market Forecast

IMG_2502What will the housing market look like in 2017? Should we sell or not? Where should we move? Where is the best area to purchase investment properties. Depending on your financial situation, housing needs, and available cash, 2017 could be your year for investing in a home.

According to research by the California Association of Realtors and Forbes Magazine, many different factors are influencing the house market.

  1. New home builders have not increased their productivity enough to make an impact in the shortage of housing.
  2. Mortgage rates are on the rise, but still affordable.
  3. Research show that more Millennials are beginning to buy homes.
  4. Home prices will rise slowly.
  5. Existing home inventories will not satisfy demand.
  6. Homes in California are still expensive. Home sales will increase in less conveniently located areas. Home prices will increase in the more desired locations.
  7. Renting homes has increased in popularity. If you are looking for investment properties, this could be the right time to buy.

To discuss the San Ramon Windemere or Gale Ranch housing market outlook, investment properties or relocating, give me a call at 925-400-7007.

For additional information, visit the Forbes Magazines article “Housing Outlook 2017- Eight Predictions from the Experts” at  and the “CAR 2017 Housing Market Forecast” at