4093 Sugar Maple Drive Danville

4093 Sugar Maple Drive Danville

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Beautiful Home in Danville Nearby Blackhawk Plaza

3 Bedrooms | Office | 2.5 Bathrooms | Approximately 2,549 Sq | Ft

This beautiful home is located in the gated community of Silver Maple in Blackhawk, situated on a private lot backing to open space. Perfect location – within walking distance to Blackhawk Plaza.

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Large Formal Living Spaces

The spacious formal living room is a showstopper, with large picturesque windows and a floor-to-ceiling marble fireplace. The adjoining formal dining room features two sliding glass doors leading to a very charming patio deck – great for entertaining.

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Gorgeous Great Room

The great room has vaulted beamed ceilings, a brick gas fireplace, hardwood flooring, and two sets of glass sliding doors leading to two separate patios.

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Upgraded Kitchen

The kitchen has a lovely view of backyard and decking, white cabinets, hardwood flooring, newer stainless steel double oven and electric cooktop.

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.40 Acre Lot

The master suite has glass sliding doors to balcony, large walk-in closet, and updated bathroom with tile flooring and countertops, large soaking tub, and shower with glass enclosure.

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If you are looking to buy or sell a home, contact San Ramon Realtor Jason Kerner at 925-400-7007 or http://www.KernerHomes.com.  For more information about this property, go to http://www.4093SugarMaple.com

Access: An Important Factor in Getting Your House SOLD!

Access: An Important Factor in Getting Your House SOLD!

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Access: An Important Factor in Getting Your House SOLD!

So, you’ve decided to sell your house. You’ve hired a real estate professional to help you through the entire process, and they have asked you what level of access you want to provide to your potential buyers.

There are four elements to a quality listing. At the top of the list is Access, followed by Condition, Financing, and Price. There are many levels of access that you can provide to your agent so that he or she can show your home.

Here are five levels of access that you can give to buyers, along with a brief description:

Lockbox on the Door – this allows buyers the ability to see the home as soon as they are aware of the listing, or at their convenience.
Providing a Key to the Home – although the buyer’s agent may need to stop by an office to pick up the key, there is little delay in being able to show the home.
Open Access with a Phone Call – the seller allows showings with just a phone call’s notice.
By Appointment Only (example: 48-Hour Notice) – Many buyers who are relocating for a new career or promotion start working in that area prior to purchasing their home. They often like to take advantage of free time during business hours (such as their lunch break) to view potential homes. Because of this, they may not be able to plan their availability far in advance or may be unable to wait 48 hours to see the house.
Limited Access (example: the home is only available on Mondays or Tuesdays at 2pm or for only a couple of hours a day) – This is the most difficult way to be able to show your house to potential buyers.

With May proving to be the best month to sell your home, access can make or break your ability to get the price you are looking for, or even sell your house at all.  If you are looking to sell your home, give San Ramon Realtor Jason Kerner a call at 925-400-7007 or http://www.KernerHomes.com.  Put his 16 years of experience to work for you.

San Ramon High Schools Rank Superior in Country

San Ramon High Schools Rank Superior- US News & World Report

Dougherty Valley High School **GOLD AWARD

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Congratulations Dougherty Valley High School!  Dougherty Valley High is ranked 37th in California and was given the GOLD award for ranking #241 nationally.  In addition, DVHS ranked #49 in STEM Schools. 74% of the students attending DVHS participate in Advanced Placement coursework, 40% take AP tests and 94% of those participants who take the exams pass.  With 98% of its Seniors graduating, DVHS is considered a GOLD award winner because of its successful college prep program.  For more details, go to DVHS.

    • College Readiness Index 70.7
    • AP® Tested 74%
    • AP® Passed 94%
    • Mathematics Proficiency 87%
    • Reading Proficiency 96%

California High School

Congratulations to California High!  It is ranked #1177 in the National Rankings, according to US News & World Report.  It has earned a SILVER medal.  Schools are ranked based on their performance on state-required tests and how well they prepare students for college.  CHS was just ranked #214 in California with a 99% graduation rate.  We are looking forward to seeing all those graduates receive their diplomas in a few weeks.  For more information about the report, go to CHS

All rankings:

  • College Readiness Index 42.4
  • AP® Tested 47%
  • AP® Passed 86%
  • Mathematics Proficiency 72%
  • Reading Proficiency 87%

Congratulations again to our award-winning San Ramon High Schools!  If you want to buy or sell a home in San Ramon, give me a call.  Let me put my 16 years of experience to work for you.   http://www.KernerHomes.com or 925-400-7007.

204 Dandelion Lane San Ramon

204 Dandelion Lane, San Ramon

204 Dandelion Lane, San Ramon
204 Dandelion Lane, San Ramon

204 Dandelion Lane, San Ramon has just been listed by San Ramon Realtor Jason Kerner.  For more details, you may go to 204Dandelion.com or contact Jason for a private tour at 925-400-7007.

About 204 Dandelion Lane, San Ramon

Luxurious living in the sought-after Alta Mira at Gale Ranch. The bright, airy ambiance boasts soaring ceilings and oversized windows. An open-concept floorplan provides a seamless flow and sophisticated setting for hosting parties and special occasions.

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The main rooms include a large formal living room and dining room, and an open kitchen the chef will love adorned with stunning granite slab counters, and stainless steel appliances. There is a bedroom and full bathroom downstairs. Upstairs features a large master suite and remodeled spa-like master bathroom with an abundance of granite and stone. Secondary bedrooms are very large and share a remodeled hall bathroom.

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Other desirable features include hardwood flooring, custom window coverings, designer paints, custom closet shelving, and recessed lighting.

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204 Dandelion Lane sits on a cul-de-sac with a gorgeous front porch and lovely front and backyard landscaping. The excellent location is near San Ramon award winning schools, Blackhawk Shopping Center, parks, and walking/biking trails for spending time in nature.

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If you are looking to buy or sell a home in San Ramon, contact your local San Ramon Realtor Jason Kerner at KernerHomes.  Make it a great day!

Should I Wait Until Next Year to Buy a Home?

What If I Wait Until Next Year to Buy a Home?

What If I Wait Until Next Year to Buy a Home? | MyKCM

Do I Wait a Year to Buy a Home?

We recently shared that national home prices have increased by 6.7% year-over-year. Over that same time period, interest rates have remained historically low which has allowed many buyers to enter the market.  The big question is, should you wait a year to buy a home?  If you missed the report, go to http://www.KernerHomes.com or call Jason Kerner, your San Ramon Realtor at 925-400-7007.

As a seller, you will likely be most concerned about ‘short-term price’ – where home values are headed over the next six months. As a buyer, however, you must not be concerned about price, but instead about the ‘long-term cost’ of the home.

The Mortgage Bankers Association (MBA), Freddie Mac, and Fannie Mae all project that mortgage interest rates will increase by this time next year. According to CoreLogic’s most recent Home Price Index Reporthome prices will appreciate by 5.2% over the next 12 months.

What Does This Mean as a Buyer?

If home prices appreciate by 5.2% over the next twelve months as predicted by CoreLogic, here is a simple demonstration of the impact that an increase in interest rate would have on the mortgage payment of a home selling for approximately $250,000 today:

What If I Wait Until Next Year to Buy a Home? | MyKCM

Bottom Line

If buying a home is in your plan for this year, doing it sooner rather than later could save you thousands of dollars over the terms of your loan.  If you would like to discuss your individual situation, give me a text or call at 510-400-7007.  As your San Ramon Realtor with 16 years of experience, I would be happy to help.

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San Ramon Art and Wind Festival

San Ramon Art and Wind Festival

The San Ramon Art and Wind Festival is coming up on May 27-May 28, 2018.  According to Bay Area Parent magazine, the San Ramon Art and Wind Festival has been awarded the Silver Medal for being the Best Family Festival.  As a local resident, I agree that this event is fun for everyone in the family and is a great credit to the City of San Ramon!

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Entertainment Schedule

If you enjoy music, check out the stage adjacent to the tennis courts.  Here you will find the following:

Sunday, May 27
11:00 – 1:00
1:30 – 3:30
4:00 – 6:00
Andy Z & the Andyland Band- Family Fun Music
KGS Indian Entertainment- Bollywood & Bhangra Dance, Music & Culture
Take 2- Hits from the 60’s – Today
Monday, May 28
11:00 – 12:00
12:30 – 2:30
3:00 – 3:30
4:00 – 6:00
Eden Aoba Taiko- Taiko Drumming
Snap Jackson & the Knock on Wood Players- Americana & Bluegrass
Memorial Day Program
Tortilla Soup- Latin and R & B

There are two planned Kid Zones that have free and paid activities for our youth.  In addition, there are 150 vendors with various arts and crafts on display for sale.

Wind Activities

Professional kite flyers who compete as National kite flyers will be showing off their skills May 27 and May 28.  Head over to the baseball fields behind the skate park for the best viewing.  There will also be kite making crafts for the kids.  This year, there is hang gliding demonstrations are part of the event.

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Food and Shopping

The list of food and craft vendors have not yet been released.  However, if past years is any indication of the coming year, the food will be delicious and the shopping will be exciting!

For more information go to Art and Wind Festival

If you are looking to buy or sell a home in San Ramon, contact San Ramon Real Estate expert Jason Kerner at 925-400-7007.  For more information, search on homes at http://www.KernerHomes.com

San Ramon Home Sales for April 2018- San Ramon Realtor Jason Kerner

Existing Home Sales Grow Despite Low Inventory

Existing Home Sales Grow Despite Low Inventory [INFOGRAPHIC] | MyKCM

Some Highlights:

  • According to the latest Existing Home Sales Report from the National Association of Realtors, sales grew 1.1% in March to an annual pace of 5.60 million.
  • This is the strongest pace since November of 2017.
  • Inventory levels dropped year-over-year for the 34th consecutive month and are now 7.2% lower than March 2017 levels, representing a 3.6-month supply.

San Ramon Home Sales for April 2018:

  • 90 properties were listed for April 2018 compared to 103 listings for April 2017.  Available properties for sale decreased by 8% this year.
  • Homes were on the market for an average of 13 days compared to 22 last year.  It is more important than ever to have an experienced Realtor working on your behalf.  San Ramon Realtor Jason Kerner has 16 years of experience winning multiple bid opportunities.
  • The average home list price was $1,062,776.00 in 2018.  The average home list price in 2017 was $1,047,896.00.
  • The average home sold price was $1,095,870.00 in 2018 compared to $1,050,979.00 in 2017.   Working with an experienced San Ramon Realtor helps home sellers set the most accurate home sales price.  Call me for a personalized property estimate using my years of experience as your local San Ramon Realtor.  925-400-7007.

 

Mortgage Rate Increases- How Will it Impact Me?

“Short of a war or stock market crash…”

“Short of a war or stock market crash…” | MyKCM

Mortgage Rate Increases- How Will it Impact Me?

This month, Arch Mortgage Insurance released their spring Housing and Mortgage Market Review. The report explained that an increase in mortgage rates and/or home prices would impact your monthly payments this way:

  • A 5% increase in home prices increases your payments by roughly 5%
  • A 1% rise in interest rates increases your payments by roughly 13% or 14%

That begs the question…

What if both rates and prices increase as predicted?

The report revealed:

“If interest rates and home prices rise by year-end in the ballpark of what most analysts are forecasting, monthly mortgage payments on a new home purchase could increase another 10–15%. That would make 2018 one of the worst full-year deteriorations in affordability for the past 25 years.”

The percent increase in mortgage payments would negatively impact affordability. But, how would affordability then compare to historic norms?

Per the report:

“For the U.S. overall, even if affordability were to deteriorate as forecasted, affordability would still be reasonable by historic norms. That is because the percentage of pre-tax income needed to buy a typical home in 2019 would still be similar to the historical average during 1987–2004. Thus, nationally at least, even with higher rates and home prices, affordability will just revert to historical norms.”

What about home prices?

A decrease in affordability will cause some concern about home values. Won’t an increase in mortgage payments negatively impact the housing market? The report addressed this question:

“Even recent interest rate increases and higher taxes on some upper-income earners didn’t slow the market, as many had feared…Short of a war or stock market crash, housing markets could continue to surprise on the upside over the next few years.”

To this point, Arch Mortgage Insurance also revealed their Risk Index which estimates the probability of home prices being lower in two years. The index is based on factors such as regional unemployment rates, affordability, net migration, housing starts and the percentage of delinquent mortgages.

Below is a map depicting their projections (the darker the blue, the lower the probability of a price decrease):

“Short of a war or stock market crash…” | MyKCM

Bottom Line

If interest rates and prices continue to rise as projected, the monthly mortgage payment on a home purchased a year from now will be dramatically more expensive than it would be today.  If you want to discuss your personal situation, text or call me at 925-400-7007 or jason@nexthomeprg.com.  I have been a full-time Realtor/Broker for 16 years and am happy to put my experience to work for you.  I have extensive experience in San Ramon real estate as well as Danville, Dublin, Pleasanton and Alamo for  personal and investment real estate transactions.

San Ramon Passport Services

San Ramon Passport Service

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San Ramon offers passport renewal and ordering services.

If you are planning to travel abroad this summer, and your passport needs to be ordered or renewed, this is the time to start the process.  It is currently taking about 2 months to process a new passport.

Ordering a passport for the first time.

  • APPLICATIONS MUST BE TYPED OR PRINTED USING BLACK INK
  • ACCEPTED FORMS OF PAYMENT: Personal checks, cashiers checks, or money orders only; SEPARATE payments go to the Department of State and to the City of San Ramon respectively. See passport fee schedules below for details.
  • For complete information on all REQUIRED forms and documents, you need to bring to your appointment, go to http://travel.state.gov/content/passports/en/passports/apply.html

Don’t forget to make an appointment.  Follow these instructs per the San Ramon City website.

PASSPORT APPOINTMENT LOCATION:
7000 BOLLINGER CANYON RD
BY APPOINTMENT ONLY

  • The City does not process renewal forms (DS-82) for adults. These are mail-in forms.
  • The system will automatically show the first available time slot.
  • Double booking appointments will result in the 2nd appointment being canceled.
  • If you have a travel emergency, please contact 1-877-487-2778

What does it cost?

New passports range $80 for minors to $110 for adults.  Renewals by mail are $110 for adults.  Minors cannot renew by mail.  All passports processed through the City of San Ramon are charged an extra $35 fee.

Minor Rules.

If you are ordering a passport for a minor or renewing a minor’s passport, there are rules that need to be followed. For complete details, go to http://www.sanramon.ca.gov/cms/one.aspx?portalId=10826130&pageId=11593700

How long does it take for a passport to be renewed?

Currently, the U.S. Department of State is reporting that new passport requests are taking 4-6 weeks.  This does not include another 7 days for shipping.

 

Getting Pre-Approved is First Step to Buying a Home- by San Ramon Realtor Jason Kerner

Getting Pre-Approved Should Always Be Your First Step

Getting Pre-Approved Should Always Be Your First Step | MyKCM

In many markets across the country, the number of buyers searching for their dream homes is far greater than the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.  If you need help figuring out what you can afford, give me a call and we can crunch some numbers together.  As your local Broker/Realtor with 16 years of full-time experience, I am happy to help.  Text or call 925-400-7007 or visit KernerHomes.

Even if you are in a market that is not as competitive, understanding your budget will give you the confidence of knowing if your dream home is within your reach.

Freddie Mac lays out the advantages of pre-approval in the ‘My Home’ section of their website:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you with this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.”

Freddie Mac describes the ‘4 Cs’ that help determine the amount you will be qualified to borrow:

  1. Capacity: Your current and future ability to make your payments
  2. Capital or cash reserves: The money, savings, and investments you have that can be sold quickly for cash
  3. Collateral: The home, or type of home, that you would like to purchase
  4. Credit: Your history of paying bills and other debts on time

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.

Bottom Line

Many potential home buyers overestimate the down payment and credit scores needed to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so.  Give me a call and I can help make this process as easy as possible.  Let’s put my 16 years of real estate experience to work for you.  Call or text 925-400-7007 or email me at jason@nexthomeprg.com