認識Maggie Chien /矽谷房地產經紀人

Maggie Chien 簡明葳Leave a comment

我的中文名字是簡明葳，大家都叫我Maggie，現在在美國矽谷/硅谷(Silicon Valley)擔任房產經紀人 Realtor BRE#01973756 。我曾在台灣當過九年的財經記者，蘋果日報房地產中心(地產王&家居王)、自由時報財經中心房產線總資歷長達七年。我在台灣採訪過數千間建案，在矽谷看房歷年達數百間以上，這幾年的矽谷房地產經紀人經驗，建立了我完整的買房資歷與經驗。

在矽谷買房子，是一個充滿挑戰的過程。我能提供試算服務、貸款諮詢與轉介、為您挑選適合滿足您需求的房子、一同看屋、一起挑戰競標的過程。我們將逐條念過合約內容，下標之前我會誠實地揭示屋況、屋主詳細情形、報告，而後續的交屋、租屋、修繕、改建等諮詢都在服務範圍之內。

關於賣房，房價評估、市場分析、修繕建議、上市時間建議、Staging評估、風格挑選、行銷方式分析、海報、Post、媒體推廣、行銷媒體選擇、挑選offer輔助，後續交屋，都是我擔任賣房經紀人時的職責。

我是 National Board of Realtors、California Association of Realtors、以及 Silicon Valley Association of Realtors的會員。

如果您有任何買賣房屋的需求。

請利用以下方式與我聯繫、預約看房或賣房分析

  • 電話 408-505-3003
  • 電郵:chienmingwei@gmail.com
  • 微訊:maggiechien002
  • LINE:chienmingwei
  • FB粉絲專頁:Maggie Chien-Realtor
Listed at 1,048,000, sold for $1,320,000 on 8/14/2017. It's sold within 10 days.
Listed at 1,048,000, sold for $1,320,000 on 8/14/2017. It was sold within 10 days.

I am a Realtor in the Silicon Valley, currently working for Green Valley Realty.

I am an experienced and accomplished editor/journalist who worked at two of Taiwan’s largest newspapers.  Managed a team of writers to cover real estate, interior design in the Taipei metropolitan area.

I have continued my real estate specialty in the bay area, using a journalist’s training to quickly find, compare and verify the house of the client’s needs.   I will gather all facts regarding the property, review all contractual documents, property inspection reports, owner disclosures, etc. with my clients.

For clients looking to list their properties, I will provide a thorough analysis on market timing, price and review all steps leading up to the open house.  After the open house, I will review all offers with the clients to help them choose the strongest offer at the best price.

For post-sales services such interior design, architects, and licensed contractors, I can provide referral to quickly get the project done on-time and on-budget.

Please contact me via

Cell Phone  408-505-3003

FB/email  chienmingwei@gmail.com

Wechat  maggiechien002

LINE  chienmingwei

Like my fans page to follow the latest real estate news:Maggie Chien-Realtor

 

2018年2~4月矽谷房市行情報告

Maggie Chien 簡明葳Leave a comment

第一次累積了三個月的房市報告沒寫，對期盼文章的朋友，先說聲抱歉。

這段時間房價來到史上高點，所有的數字都破了紀錄，我也忙到翻過去，加上媒體不斷報導矽谷房市點滴事跡，都在在顯示房市已經熱到頂點。

然而，隨著股市動盪、利率走揚，目前市面上的房子成交所需天數已經拉長，買房加價力道不再、所需成交天數已經拉長，市況已經能從MLS數據窺見一二，從市場買氣來觀察，房市最高點已過，接下來我們要面臨整理期了。

請仔細讀到最下文，有一個今天跑出來的最新數據。

 

SU

Sunnyvale ↑  Time frame is from Jun 2017 to May 2018

Property Type is ‘Residential’
Property Sub Type is ‘Single Family Home’, ‘Condominium’, and ‘Townhouse’
Results calculated from approximately 910 listings
CU

Cupertino ↑Time frame is from Jun 2017 to May 2018

Property Type is ‘Residential’
Property Sub Type is ‘Single Family Home’, ‘Condominium’, and ‘Townhouse’
Results calculated from approximately 580 listings
BB

Berryessa↑ Time frame is from Jun 2017 to May 2018

Property Type is ‘Residential’
Property Sub Type is ‘Single Family Home’, ‘Condominium’, and ‘Townhouse’
Results calculated from approximately 840 listings
Campbell

 Campbell ↑ Time frame is from Jun 2017 to May 2018

Property Type is ‘Residential’
Property Sub Type is ‘Single Family Home’, ‘Condominium’, and ‘Townhouse’
Results calculated from approximately 810 listings
SC

Santa Clara ↑ Time frame is from Jun 2017 to May 2018

Property Type is ‘Residential’
Property Sub Type is ‘Single Family Home’, ‘Condominium’, and ‘Townhouse’
Results calculated from approximately 1,100 listings
CB

Cambrian↑ Time frame is from Jun 2017 to May 2018

Property Type is ‘Residential’
Property Sub Type is ‘Single Family Home’, ‘Condominium’, and ‘Townhouse’
Results calculated from approximately 860 listings
截至今日(6/13日) 我查看在整個 Santa Clara County 的MLS數據，過去30天內因故取消(166家)、暫時下市(63家)、或過期的Listing(21家)總共250間，其中最高價為1150萬元的Los Altos Hills豪宅到1B/1B 38.7萬元的San Jose condo都受到影響。
Untitled
過去30~60天內因故取消(127家)、暫時下市(31家)、合約到期未售出的Listing(29家)總共187間
過去60~90天內因故取消(79家)、暫時下市(21家)、合約到期未售出的Listing(29家)總共122間
過去90~120天內因故取消(62家)、暫時下市(15家)、合約到期未售出的Listing(22家)總共99間
今天利率又漲了，市場正在修正的狀況很明顯
無論市場好壞，大家總是喜歡問我：會不會繼續漲？會不會繼續跌？
我真的不是算命的，我只能盡力在買賣過程，讓你有一個安全順利的transaction。

FOR SALE 2508 Heron Ct SAN JOSE

Maggie Chien 簡明葳

2508 Heron Ct SAN JOSE, CA 95133

 

Berryessa近幾年瘋漲，BRAT話題以外當然就是生活機能便捷。

我在95133有一個兩房、兩套半衛浴的房出售，一樓有一個具隱密性卻開闊的玄關，放的下好幾個鞋櫃跟暗藏一個大容量Storage，雙車位的設計讓小家庭方便停車。
二樓格局是開闊的客、餐廳空間與半開放式廚房，還帶有洗衣間跟客用廁所，功能齊全。三樓是私領域，一個大主臥房有浴缸，Walk-in Closet與獨立廁所，另一間次臥房也有連通的衛浴還開窗。
因為該戶別位於社區邊間，每一個空間都有開窗，還能看到美麗的樹梢，不僅美觀，還增添幾分私密性，全棟採雙層窗設計，裡面非常安靜，歡迎預約賞屋。

Perfect for first time buyer with a small family or roommates. Due to the design layout, there’s one neighboring unit which shields the direct highway noise! Unit is much quieter from the inside as a result. Come take a listen for yourself! End unit with high ceiling gives you abundant natural lighting. Well designed floor plan with spacious living and dining area. Dual-zone AC & Heating. Two suite style bedrooms with in-room bathrooms. Master bedroom has a walk in closet. Full size washer and dryer closet space. Kitchen with granite counter top and back splash. Stainless steel appliances. Quick access to Hwy 680 & 101. 0.3 mile to Penitencia Creek VTA light rail station and the Penitencia Creek Trail. 5 mins to Safeway, CVS and Villasport Athletic Club. Short distance to the playground and BBQ area. Freshly painted exterior by the HOA. HOA $243.

https://www.redfin.com/CA/San-Jose/2508-Heron-Ct-95133/home/12181410

關於 HOA 的Litigation

Maggie Chien 簡明葳Leave a comment

 

HOA 其實就是Homeowner’s Association 有人翻譯為管委會，有人翻譯為管理會，而當你購買房子的時候，如果不是Single Family，通常多有HOA組織，且附帶的是厚厚的一大疊HOA文件，在下Offer之前，這些文件可是要仔細閱讀。另外，文末提到的HOA Fee的多寡也是更重要的一環。

動輒數百頁的HOA文件裡，主要記錄著HOA開會紀錄、HOA既定規矩(CC&R)與各式各樣新的規則(Rule & Regulation)必須遵守，當然HOA財務狀況(Budget)、HOA Reserve study等等，都是檢視這一家HOA是否正常運作或是未來營運狀況有沒有隱憂的可能性，有經驗的經紀人都會教你如何判別。

 

偶爾HOA會有訴訟 (Litigation)這個時候就必須了解正在訴訟的項目，多數人一聽到社區有訴訟就倒退幾步，其實新建社區在十年內，因為在建商保固期間，HOA告建商爭取更多維修款並不難見到，多數案例都能拿到建商撥款或再讓外包廠商繼續維修。

目前多數的訴訟都還是有貸款銀行願意承作，像是Bank of the west,、Coast to Coast、Universal Capital Mortgage、 New American Funding 、First Republic Bank 等等，但是每一家銀行規定的條件有別，舉例來說有些銀行願意承作正在打官司的社區，卻只能作Primary Home & Second Home的貸款，而不願意借貸給投資者。有些銀行規定申貸者信用分數達740分以上等等，必須要一家一家問清楚。

 

litigation-red-335

 

不過，也因為買方個案差異性大，風險最小的作法，還是參考社區過去在Litigation期間，是由哪一些銀行願意承貸，問詳細該銀行的現有規定，再來遞Offer，否則在Offer上面放上Loan Contingency 則是保護買賣雙方的權益之一。

當然HOA有訴訟案利率會稍微比市面上的高出0.25%上下，但是只要訴訟一結束，只要有機會拿到更好的利率，就隨時可以找其他家Refinance，有時候甚至會因為在社區Litigation買到房子，還撿到便宜呢！

希望這一則分享能對你看到HOA的Litigation有更多助益。 HOA文件是厚厚一疊卻又乏味，但是其中細節多、查看的技巧也多，下Offer之前，千萬不要簽名不讀就帶過。

對了，HOA Fee依照含括項目有別，當然越低越好，因為自住期間不能抵稅、如果未來有出租的可能性，租屋期間通常是房東負擔HOA Fee的。

目前新建社區如果有豪華設施、中半島地區很常見到HOA超過$400/月 以上，如果是老人公寓、高級地段公寓，HOA常見$600~2500/月，南灣 20年以上社區，均價約$300/月，依照社區設施多寡有別，南灣15年以下社區，設施不多，HOA Fee含括的項目也僅有社區維護，多數在150~250/月之間 。

關於HOA文件，可以寫上多篇文章，有機會我會慢慢分享。

最近有一個低HOA的Listin在2508 Heron Ct. San Jose，趁機宣傳一下，歡迎預約看房

 

 

 

 

1758 Cross Way #255 【Pending in 6 days】

Maggie Chien 簡明葳Leave a comment

 

1758 Cross Way #255SAN JOSE, CA 95125

 

 

A boutique community with only 10 units and 100% homeowner-occupied. 3 assigned carport spaces provide lots of flexibility! This bright and airy unit with large windows is only eight years old. It’s an end unit, townhouse style condominium, with a large living room and a patio with tree-lined views. Three bedrooms upstairs offers plenty of privacy. Beautiful lighter colored hardwood floor throughout. Granite slab kitchen counter top. Security and intercom system wired-in. Gas fireplace with marble and decorative surround. 4 miles to the proposed SJ Google campus, 7 miles to SJ Airport and only 2 miles to downtown Willow Glen. Near major freeways (87, 85, 280), mass transit (Tamien VTA/Caltrain station), and Willow Glen Village plaza. In-unit full size laundry, dual pane windows, central Heating/AC. This unit is at a lower elevation than the Hwy 87 noise barrier, so it’s much quieter than expected. Come take a listen for yourself! Park at #13, #15, #19 while open house.

Contact me 408-505-3003 for a private house tour! 

 

1758 Cross Way #235 SAN JOSE, CA 95125

Maggie Chien 簡明葳Leave a comment

【SOLD】

 

Boutique community with only 10 units and 90% homeowner-occupied. This eight-year-old, corner unit, townhouse style condominium is near major freeways (87, 85, 280), mass transit (Tamien VTA/Caltrain station), and Willow Glen Village plaza. 3 Bedrooms/2.5 Bathrooms with bright and airy Living & Dining rooms. 3 assigned carport spaces provide lots of flexibility! In-unit full size laundry, dual pane windows. Beautiful oak hardwood floor throughout. Granite slab kitchen counter top. Security and intercom system wired-in. Gas fireplace with marble and decorative surround. 4 miles to the proposed SJ Google campus, 7 miles to SJ Airport and only 2 miles to downtown Willow Glen. HOA is $328 which includes water and garbage. Award winning Willow Glen schools.

 

2018年1月矽谷房市行情報告

Maggie Chien 簡明葳Leave a comment

今天(2/2)寫稿日股票稍有修正，股市這幾年歷經的漲勢不斷，稍有修正不也是好事一樁？

股票回檔，房市呢，我們處在全美最熱的房市區，還不見任何跌勢，如果股市真的大幅下修，也許價格還會有回穩的可能，若要見到下跌，可能短期內不容易。

2018年1月是offer寫到手軟，整個月是漲得又驚又快，不然就等著從別人的成交價往上加價。今年開始我的粉絲頁 會有我當周我跟同事下offer的最新成交狀況匯報，如果能及時掌握行情，對於周邊下次出價會更有幫助。

在這個賣方市場的時代，屋況差、長黴長菇、地基有問題的房子都還是一堆人投標，更不用說裝修完畢或是屋齡較新的房子了，offer數破表、加價率直飆、沒有超過comps 5%以上是肯定拿不到房子的，也因此買房投標之前買家更要謹慎，算好手上現金多寡，才能不讓保證金被扣走。

最近常跟客戶說，真的很抱歉，最近買房無法幫你省錢，而且保證會買在歷史高點，但是沒有人知道何時是最高點。必須要請你做出選擇，因為買與不買、要不要留在這一個城市，每個人都有不同的人生規劃跟方向。但是當您下定決心要在這裡買房，我是全職經紀人，必能為你全力以赴。

27500175_10155998704410040_7778477410880909413_o
一月幫客人搶到房子的客人感謝信，買到房子真的很難，買到好deal更難，謝謝客戶的肯定。

 

 

 

 

來看看2018年1月加價率與成交所需天數，1月數據代表著2017年12月的行情跟買氣。看2017年2月到2018年1月的數據，更能完整看出2017年一整年房市走勢，加價率一路攀升、去化日期一路減少，買氣依然維持高檔水位，在矽谷買房，難度繼續升高。

以下圖示折線為加價率，長條圖為房子上市到銷售所需時間。

 

Time frame is from Feb 2017 to Jan 2018 Area Name is '19 - Sunnyvale' Property Type is 'Residential' Property Sub Type is one of 'Single Family Home', 'Condominium', 'Townhouse' Results calculated from approximately 900 listings
Time frame is from Feb 2017 to Jan 2018 Area Name is ‘ Sunnyvale’. Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 900 listings

 

C
Time frame is from Feb 2017 to Jan 2018 Area Name is ‘Cupertino‘ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 570 listings

 

M
Time frame is from Feb 2017 to Jan 2018 Postal City is ‘Mountain View’ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 550 listings

 

Time frame is from Feb 2017 to Jan 2018 Postal City is 'Los Altos' Property Type is 'Residential' Property Sub Type is one of 'Single Family Home', 'Condominium', 'Townhouse' Results calculated from approximately 370 listings
Time frame is from Feb 2017 to Jan 2018 Postal City is ‘Los Altos’ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 370 listings

 

Time frame is from Feb 2017 to Jan 2018 Postal City is 'Campbell' Property Type is 'Residential' Property Sub Type is one of 'Single Family Home', 'Condominium', 'Townhouse' Results calculated from approximately 480 listings
Time frame is from Feb 2017 to Jan 2018 Postal City is ‘Campbell’ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 480 listings

 

Time frame is from Feb 2017 to Jan 2018 Area Name is '5 - Berryessa' Property Type is 'Residential' Property Sub Type is one of 'Single Family Home', 'Condominium', 'Townhouse' Results calculated from approximately 820 listings
Time frame is from Feb 2017 to Jan 2018 Area Name is – Berryessa‘ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 820 listings
AV
Time frame is from Feb 2017 to Jan 2018 Area Name is ‘ Almaden Valley‘ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 400 listings
Time frame is from Feb 2017 to Jan 2018 Area Name is '3 - Evergreen' Property Type is 'Residential' Property Sub Type is one of 'Single Family Home', 'Condominium', 'Townhouse' Results calculated from approximately 810 listings
Time frame is from Feb 2017 to Jan 2018 Area Name is ‘ Evergreen’ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 810 listings
CB
Time frame is from Feb 2017 to Jan 2018 Area Name is ‘ Cambrian’ Property Type is ‘Residential’ Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’ Results calculated from approximately 860 listings

 

我是 National Board of Realtors、California Association of Realtors、以及 Silicon Valley Association of Realtors的會員。

如果您有任何買賣房屋的需求。

請利用以下方式與我聯繫、預約看房或賣房分析

  • 電話 408-505-3003
  • 電郵:chienmingwei@gmail.com
  • 微訊:maggiechien002
  • LINE:chienmingwei
  • FB粉絲專頁:Maggie Chien-Realtor

學區分數降級了？！

Maggie Chien 簡明葳Leave a comment

不知道大家有沒有發現，過了一個年，學區分數有所變動

https://www.greatschools.org/

主要是增加了EQUITY的評鑑，根據Great School 顯示Equity overview意思是指 Is this school offering opportunity for all its students, or leaving some kids behind? Successful schools are working to close the achievement gap.

其實這個項目充滿爭議，平均好還是平均差？

以後到底要怎麼看學區分數，我想參考多元評價與家長評論之外，家長心中自己要有一把尺才好權衡學區的選擇！