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Nick Pham, Broker

Nick Pham, Broker

Top San Jose Realtor

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DON'T BE FOOLED!!!

Recently you might have heard of advertisements of Mortgage Interest Rates for AS LOW AS 2.000% (15y-fixed) and 2.250% (30y-fixed) from some brokers - You wonder how these wonderful brokers can offer RATE THAT LOW... while the big banks like BOA or WF offer rates MUCH HIGHER @ 2.625% (15y-fixed) and
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San Jose Real Estate Market vs COVID-19, cont...

A month after the first Stay In Place order was issued for almost across the US, most people were predicting that our Real Estate market will take a plunger. I have been monitoring market trend for as long as I have been been a realtor.A lot of buyers have been predicting a market adjustment, as it
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Bay Area Real Estate Market - 12 weeks after COVID-19

It is hard to believe that it has been 12 weeks since our Stay-In-Place order on March 16. Many lives have been impacted! The way we live, the way we look at everything, might have changed for many of us. One thing for sure that will never change - the need for a roof over our heads.Many people have
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Low Interest Rates during COVID-19

How much is my mortgage payment? How much can I qualify for? Should I buy now or wait? Should I refi?My Best advice... The payment you are most comfortable with! Regardless of the highest you can qualify for. With Interest Rates at an all time low. (2.625%-15yrs fixed and 3.000%- 30yrs fixed*). It
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Real Estate Trend during COVID-19

In just a short 2 months since the shelter-in-place order due to COVID-19 across the globe, most people are predicting that the "real estate market will be worse than the 2008". What's your prediction?As some of you may know, I have been tracking the local market trend since I became a realtor
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2020 Real Estate Market and COVID-19

2020 started just like any previous year. Seller are slow after the Holidays, so it is a typical 1st quarter with lower inventory, then the summer wave of sellers and buyers browsing, shopping for their home during the summer.With the uncertainty of the COVID-19 epidemic globally, there has been
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Buy, Hold or Sell - San Jose Real Estate Market 2020 Prediction

Finally finished my 2019 year end graphs for Santa Clara County Real Estate Market. Some buyers were making bets that market is going to crash! Would you consider 6% drop in the Median Price for Single Family Residence a crash?For a county of about 2M people, it is actually a scary comparison. In
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California Tax Credit for First Time Home Buyer

Now that the April 30th is over… $8000 Federal Tax Credit is over. What do think is going to happen to the R.E. market?Well, Californian is in luck! The state of California has allocated $100M to home New Home Buyers and $100M to First-Time Buyer Tax Credit. These tax credits are limited to
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Regular Sale, vs. Short Sale vs. Bank Owned Properties (REO)

Regular Sale, vs. Short Sale vs. Bank Owned Properties (REO)by Nick PhamReal Estate Broker in San Jose, CaliforniaSo what is the difference between a Regular Sale, a Short Sale, a Real Estate Own (REO) Property?While most savvy buyers and sellers are familiar with the differences between a regular
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Advance Fee for Loan Modifications is NOW PROHIBITTED

On Oct 11, 2009, a new California Law went into effect PROHIBITTING any person, including Real Estate Licensees and Attorneys, from demanding or collecting an Advanc Fee from consumers for loan modification or mortgage loan forbearance services…..Six months ago, we have thought of the ideas
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