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Want To Learn About Lending Issues in this Housing Market? 

TJ Roberts has mastered all residential real estate lending levels for over 25 years. She has invested so many hours into her craft that I must share her knowledge with you.

Topic #1: Fixed Rate vs. Adjustable Rate Home Loans

Three different types of lenders:

Topic #2: Representing Homebuyers

Seller Concessions:

Topics #3: Buydown the Interest Rate

Topic #4: Types of Loans

Topic #5: Mortgage Insurance 

Topic #6: Interest Rate Lock

Topic #7: Seller Contributions for Selling

Topic #8: Loan Application Process

Topic #9: Appraisals

Topic #10 Monies

Topic #11: The Escrow Process

Host 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 Earned

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: Pat@SiliconValleyBroker.com | License: Broker# 00979413

Real-time market data: https://www.siliconvalleybroker.com/market