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San Francisco Earthquake 1906

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  “Just Thinking" One hundred and twenty years ago this week, on the morning of April 18, 1906, at 5:13 a.m., one of the most powerful earthquakes in American history struck San Francisco. It is estimated to be 8.0 on the Richter scale, the quake killed approximately 3,000 people and toppled countless buildings. The earthquake was caused by a massive rupture along the San Andreas Fault, it tore through a segment nearly 275 miles long, with shockwaves felt as far north as southern Oregon and as far south as Los Angeles. San Francisco’s infrastructure proved especially vulnerable. Brick buildings crumbled, and the city’s iconic wooden Victorian homes were badly damaged. Almost immediately, fires erupted across the city. Broken water mains left firefighters powerless to contain the flames, and within hours, multiple firestorms merged into a citywide inferno. By April 23, most of the fires had finally been extinguished, allowing authorities to begin the daunting task of rebuilding. Ne...

What the Latest Data Reveals About the Home Seller Mindset

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  Check Out this Weeks Newsletter The National Association of Realtors reports sellers lived in their homes 11 years, with 51% cutting price 4+ times and 27% offering incentives to close deals. The NAR 2026 Generational Trends report takes a detailed look at who is selling, why, and what the path from list to close actually looks like. The data spans motivation, tenure, time on market, and the incentives sellers are using to get deals done. Sellers are coming in with personal reasons for moving and deep attachment to their homes. Their expectations about value don’t always line up with what the market is telling them, and understanding where those expectations come from is the first step to managing them well. Read on for the biggest seller takeaways and what they mean for your listing conversations.  Why Sellers Are Moving and How That Impacts Timing If you want to get a read on how a listing is going to go, start with the “why.” Why a seller is ...

Just Thinking About Bay Area Racetracks

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“Just Thinking" I was driving to “The City” the other day, on one of my many treks from Martinez to SF. Depending on whether I have other stops along the way, what time of day it is or what the traffic pattern is, will determine which path I take. If I have other stops in Contra Costa County, I will take Highway 680 to Highway 24 through the Caldecott Tunnel, to Highway 580 and onto the Bay Bridge. Or Leaving Martinez, West on Highway 4 down to Highway 80 onto the Bay Bridge and into San Francisco. Although Highway 4 to 80 is a straighter line, it is more susceptible to traffic delays, so I will usually go into “The City” on Highway 24 and come home on Highway 80 to 4. A couple weeks ago on a Friday, mid-morning I was heading into “The City” on Highway 80 when I was passing Golden Gate, Golden Gate, Golden Gate Fields and I thought, what a shame that it has closed,  I had only been there on a couple occasions, but it was a good time and a salute to the golden days of horse racing....

First-Time Buyers Fall to 21% of the Market, the Lowest Share on Record

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  Check Out This Weeks Newsletter A decade ago, first-time buyers made up a much larger piece of the market and played a central role in keeping housing demand moving. Their presence has steadily declined, and the impact is starting to show across every layer of the market. The National Association of Realtors’ 2026 Home Buyers and Sellers Generational Trends Report makes it clear how difficult entry has become. Buyers are taking longer to save, thanks largely to other rising costs, including rent and other must-haves. They’re also leaning more on outside help and making tougher decisions just to close a deal. Younger buyers still want to own a home. Half of buyers ages 27 to 35 say that goal alone is driving their decision to buy. First-Time Buyers Are Now Just 21% of the Market First-time buyers used to be the engine that kept the housing market moving. They filled the entry-level tier and created demand for starter homes, which helped keep transacti...

Rent or Buy? The Real Tradeoff Most People Don’t Talk About

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You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking. With today’s home prices and mortgage rates, renting can feel like the easier path. In some cases, it might even seem like the only realistic option right now. And if that’s where you are, there’s nothing wrong with that. But if you’re weighing the decision, there’s one part of the conversation that doesn’t get talked about enough. It’s what each choice does for your future. What Renting Really Gets You (And What It Doesn’t) Depending on your situation, renting does have some advantages: Lower upfront costs. Less responsibility. More flexibility to move when you want. But even with those benefits, a Bank of America survey found 70% of aspiring homeowners worry about what long-term renting means for their future. And that concern comes down to one thing: you’re not building anything for your future. As Yahoo Finance explains: “Paying rent doesn't b...

Getting a Tax Refund? Here’s How It Can Help You Buy a Home

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If you’re getting a tax refund this year, here’s something worth thinking about. That money could actually help you get closer to buying a home. It may not be something you’ve factored into your plan yet, but it can give your savings a nice boost right when you need it most. And whether your refund is a few thousand dollars or more, there are some smart ways to put that money to work as you get ready to buy. Your Refund May Be Even Bigger This Year Let’s start with the good news. People are getting even more money back in their refunds than they did last year. The visual below uses data from the Internal Revenue Service (IRS) to show the average individual’s refund is 11.1% higher this year: Of course, your exact refund will vary. But any extra money you get is a good thing, especially when affordability is still tight.   How You Can Use Your Tax Refund So, how can you put that money to work? Here are a few smart ways to use your refund when buying a home, according to Freddie Mac...

Wondering If You Should Still Buy a Home Right Now? Here’s What To Keep in Mind.

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  With economic headlines, global events, and near constant talk about affordability, you may be wondering if this is the right time to move. But here’s what you need to remember. While recent events do have some impact on the housing market, they don’t take buying off the table. You just have to use a different strategy. Mortgage Rates Have Been Up Slightly – Here's Why After trending down for most of 2025, mortgage rates have been higher again for over roughly a month now. And experts say it’s a result of what's happening overseas and in the broader economy. As Mark Fleming, Chief Economist at First American , explains: “Mortgage rates have recently moved higher, driven by geopolitical uncertainty and rising energy costs that are contributing to inflation concerns.” But what does that really mean for you? Should you wait for everything to settle back down before you buy a home? The short answer is no . You don’t have to wait. Your Window To Buy Didn’t Close It’s true that a m...