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San Francisco Let’s Talk about SB 9 and San Francisco What is SB 9?    It is a multi-generational family home build and wealth gain law. It allows homeowners to bypass the complex process of building more housing for their families or converting additional space to sell in a one-off.      What can a San Francisco Home Owner gain from SB 9-ing their property? […]
Buying Process The Ultimate Deal-Breaker Checklist for Homebuyers How many times have you heard the story about people who move into their dream home only to find out that there’s a huge plumbing issue or noisy neighbors next door? Learn from their mistakes, and reconsider certain factors before signing on the dotted line. Here’s a comprehensive checklist for homebuyers when it comes to […]
Just Sold JUST SOLD: 741 Pointe Pacific DR #9, Daly City My client closed on 12/30 on a stunning two-bedroom condo on an idyllic street in the gated community of Pointe Pacific. Located on a mountaintop, 741 Pointe Pacific Dr is a spacious top-floor condo unit with wrap-around views.   741 Pointe Pacific Dr was listed for $825,000. We were able to negotiate a purchase price […]
About Me I’m A Realtor Seeking Help More People in 2022 Hello  My name is Jessica Perla with Coldwell Banker, and I work in real estate in San Francisco. I earn my living helping people buy and sell residential real estate. I know many of you are considering making a move in 2022, or you may know friends, family, or neighbors who are. That’s where I’d […]
Financing 4 Non-Traditional Ways to Finance a Home A 30- or 15-year, fixed-rate mortgage with the same payment amounts each month is one of the most common ways to buy a home—but not everyone can qualify for a traditional mortgage, or has the money set aside for a sizable down payment so they can get a low-interest loan and have affordable payments. Here […]
Financing Buying a Home When Your Spouse Has Poor Credit Buying a home on two incomes can be difficult enough, but it can be even more demanding if one spouse has poor credit. A poor credit score can make it difficult to qualify for a mortgage, leading to a higher interest rate on a home loan. A spouse with poor credit could be left off […]
San Francisco EXPLAINING SAN FRANCISCO TENANCY IN COMMON Explaining San Francisco Tenancy in Common    Tenancy In Common (also known as Tenants in Common) also goes by the acronym TIC. You may be familiar with a Tenancy in Common as a form of property co-ownership. Each owner has an undivided interest in title to the property, often expressed as a percentage. In San […]
Just Sold Just Sold! 555 4th Street 806 San Francisco, CA 94107 Photo from SFAR. I helped a veteran us his VA loan to buy this property beating out several competitions in a hot building.
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Uncategorized Money-Saving Tax Tips for Homeowners New buyers can get overwhelmed by the additional expenses incurred during homeownership. Besides making monthly mortgage payments, homeowners may have to pay for gardening, pest control, pool maintenance, plumbing fixes, electrical work, and more. But the good news is that tax time offers homeowners a number of deductions and credits not available to renters. Check […]
Financing The Difference Between Pre-Qual and Pre-Approved The Difference Between Pre-Qualified and Pre-Approved Many lenders pre-qualify or pre-approve mortgage applicants, which can help considerably in the buying process. While the terms are often used interchangeably, there are some important differences to note. In general, pre-qualification is considered an initial step in which the applicant provides information on income, assets, and debts. The […]
Financing Financing Solar Power For Your Home Financing solar panels for your home isn’t cheap. The good news is that there are many options. Based on the average house paying $75 per month for electricity, a solar system that generates that much power costs around $25,000 to $35,000, according to the Solar Power Authority. Utility company incentives, tax breaks, and other subsidies can […]
Financing California Down Payment Assistance Programs California has over 400+ different down payment assistance programs that vary across the state, its counties, and cities. Follow this Link to the website to begin learning which programs are right for you. This video will explain how to use this questionnaire.   I’ll be happy to go over the loan programs presented to you afterward. […]
Financing Mortgage Options for Veterans The Department of Veterans Affairs (VA) assists active-duty military members, veterans and surviving spouses who wish to buy a house. The VA offers loans with fewer fees and competitive interest rates that can help military families afford to buy homes in a variety of financial circumstances. Eligibility Active-duty military members, reservists, National Guard and veterans […]
Financing Credit Union vs. Bank: Know the Difference Interest rates remain low, though that’s no reason to stow your money under your mattress. Hiding your money at home won’t earn you any interest, and that’s one of the benefits—no matter how small—that banks and credit unions can offer customers. But banks and credit unions have different benefits and drawbacks, and knowing how each […]
Financing Paying Off Your Mortgage in 15 Years vs. 30 Paying off your mortgage early and living mortgage-free so you can use the money for other things—such as travel and an early retirement—can sound like a pipe-dream that’s impossible to get to, but it doesn’t have to be. If you have a 30-year mortgage, there are a few ways to cut that time in half, […]
Financing Alternatives to Traditional Down Payments The idea of putting a minimum of 20 percent down on a home is a myth that can keep some people from trying to buy a home. While it can be a great way to lower your mortgage payment and convince sellers that you’re serious about buying, coming up with 20 percent of a home’s […]
About Me Certificated International Property Specialist Officially an international property specialist. If you’re looking to buy or invest in the US or Internationally contact me! The CIPS designation is synonymous with advanced expertise, a global perspective, and distinct understanding of a global buyer. As a designee, I has the knowledge and resources to efficiently work with international buyers, including U.S. residents […]
Uncategorized How Credit Inquiries Can Affect Your Credit Score Shopping for a home loan? It’s best to do it within 30 days of a credit pull, so your score doesn’t drop. When you apply for credit, such as a car or home loan, you authorize lenders to “inquire” for a copy of your credit report from a credit bureau. Too many inquiries could lower […]
Financing What IS PMI and how to Avoid it What Private Mortgage Insurance Is and How to Avoid It Paying less than 20 percent on a down payment on a house will likely require buying private mortgage insurance by the lender. The insurance, called PMI for short, is used to reimburse the bank if you default on the loan. It isn’t too expensive—usually between […]
Buying Process A Quick Breakdown of Your Homeowners Insurance As new homeowners will learn, borrowers need to provide their lender with proof of homeowners insurance for the full value of the property (usually the purchase price) in order to be approved for the loan. Typically, the standard insurance policy protects your new property and some possessions against damage or theft. But what, specifically, will […]

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Jessica Perla # 02078736 ©2022 Coldwell Banker 01908304. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.