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Chris Lussier

Direct: 408-472-8754

Office: 408-445-5163

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Coldwell Banker
1096 Blossom Hill Rd. Unit 200
San Jose, CA

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San Jose Buy a House

Downpayment Sources For Recent Home Buyers, 2005-2010

Sunday, October 16th, 2011

Ever wonder how the “typical buyer” comes up with their down payment and how this has changed over the past 5 years?

One interesting finding in this “Profile of Home Buyers” survey by the National Association of Realtors, is that there was a 16% increase in the use of their “savings” as the source of downpayment.

It will be interesting to see how 2011 compares when that data is compiled! Read this post below for more insight.

Economic Indicators for Silicon Valley

Monday, September 26th, 2011

I always look for “signs of improvement” for my clients and found some interesting economic indicators in the Mercury News. Single-family home sales rose 14% and the median price rose 2.2 %. Other good news included construction development rising 48% in June while filed bankruptcies fell in the same month.

Forget the Market. Buy a House.

Friday, September 23rd, 2011

Smart Money magazine points out that now is a great time to buy a house, and not simply because of low interest rates.

Although the U.S debt deal passing will probably keep interest rates low, some tax breaks could go away including reducing the mortgage tax deduction.

If you have any questions on how these variables may affect your home sale or purchase, please be sure to contact me directly.

Housing Authority receives funds to help first-time buyers

Tuesday, August 30th, 2011

As a real estate agent, part of the service I offer my clients is to pass on information I come across that can assist them in the home purchase process. Read yet another helpful article from Peter Boutell, that explains about the only first-time home buyer program that actually puts money back in the home buyer’s pocket each month.

While this article talks about Santa Cruz County, I would be happy to help you investigate the availability of these MCC funds in whatever county you are interested in.

You can find more information for Santa Clara County here.

The Future of Real Estate- Wall Street Journal Video Interview

Monday, August 29th, 2011

Now’s the time to buy and lock in that rate in Silicon Valley! Per Ken Rosen of U.C. Berkeley, housing affordability is at it’s highest level in 30 years.  He is also predicting that mortgage rates will be on the rise.

Top 5 Factors That Hurt Your Credit: Infographic

Friday, August 26th, 2011

This infographic does a great job in explaining some of the mysteries behind how credit scores are calculated.

Vacation Homes: Why It May Be Time To Buy

Monday, August 22nd, 2011

Are you a buyer considering purchasing a vacation home? If so, then this Wall Street
Journal article is perfect for you. It is appearing that ʻfrugality fatigueʼ has set in and upscale vacation markets are seeing more activity. Check out what buyers around the country are doing!

Don’t Call It The Next Tech Bubble-Yet

Wednesday, August 17th, 2011

Housing is hot in premium areas of the valley - the best in a long time. Wherever you may live in the Bay Area or coastal areas, this article from Fortune Magazine provides some great indicators related to Bay Area technology companies and their affect on real estate values.

Lower ‘Jumbo’ Loan Limits Are Coming

Monday, August 15th, 2011

Here is an informative article on the current conforming mortgage limits that are scheduled to expire September 30th.  With limits for the most expensive markets falling to $625,500 from $729,750 in the contiguous U.S., it would be wise to act quickly before these loan limits are reduced.

I am happy to answer any questions you have and to do what I can to help you secure the home of your dreams.

Great online tool: mortgage payment calculator

Sunday, August 14th, 2011

There are plenty of on-line tools for home buyers to use, but I wanted to share this one from SmartMoney that can help you determine the monthly payments for your mortgage and how much interest you are paying.

Market Recap

  • Avg. Sales Price: 379,000

  • Avg. Days on Market: 69

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