Part 1 : Changing Market Solutions with TJ Roberts, Mortgage Loan Originator and Branch Manager

Send us Fan MailIt's no secret that sellers often need to offer mortgage points to potential buyers to sell a home. What many people don't realize, however, is that even if you're the homebuyer, it's sometimes worth your while to pay points too. How do rising interest rates impact the market?Let's examine why paying points might be a good idea in today's market.1. What is a point, and why do sellers pay them?2. How does buying down the interest rate work?3. What are the benefits of buying down the interest rate?4. What are points and how do they work when buying a home?5. When is it a good idea to buy down the interest rate?Special Guest: Tanja “TJ” Roberts has been in lending since 1986, starting as a summer job that has been a wonderful endless summer.  She has worked in many facets of the industry including: Underwriting, Closing, Escrow, Appraisal, Corporate Training, Account Executive for Wholesale, Branch Sales Manager, District Sales Manager, Mortgage Loan Originator and Branch Manager for Retail [email protected] CA-DBO1457455NMLS# 1457455Host Pat Kapowich is a Certified Real Estate Brokerage Manager and career-long consumer protection advocate.Santa Clara County Association of Realtors 'President's Choice Award' "For demonstrating principles of good real estate practice; promoting and protecting home ownership and property rights; and distinguished service to members and the community."Industry Designations EarnedCertified Residential Specialist (CRS)Accredited Buyer's Representative (ABR)Graduate, REALTOR® Institute (GRI)Seniors Real Estate Specialist (SRES)Certified Trust & Probate Specialist (CTPS)Since 1988, regardless of market cycles, Pat maintains a median of 9 days on market for single-family homes and 8 days for condos/townhomes.Media & Publishing Covered by or written for: The Wall Street Journal, San Jose Business Journal, San Jose Mercury News, East Bay Times, Broker/Agent Magazine, Bay Area News Group, and California Association of Realtors Magazine.Pat is a lifelong resident of Silicon Valley, California. Office: 408-245-7700 | Email: [email protected] | License: Broker# 00979413Real-time market data: https://www.siliconvalleybroker.com/market