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 Broker DRE#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，在矽谷看房歷年破千間以上，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。
我是 National Board of Realtors、California Association of Realtors、以及 Silicon Valley Association of Realtors的會員。
電話 408-505-3003 (如未接電話請留言)
I am a Real Estate Broker 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
Thirty-two percent of California households could afford to
purchase the $545,820 median-priced home in the first quarter of 2019, up from
28 percent in fourth-quarter 2018 and up from 31 percent a year ago.
More Californians could afford to purchase a home in the
first quarter of 2019 as lower mortgage interest rates and cooler seasonal home
prices combined with higher income levels to improve California housing
affordability, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) said today.
The percentage of home buyers who could afford to purchase a
median-priced, existing single-family home in California in first-quarter 2019
rose to 32 percent from 28 percent in the fourth quarter of 2018 and from 31
percent in the first quarter a year ago, according to C.A.R.’s Traditional
Housing Affordability Index (HAI). The index climbed above 30 percent for the
first time in a year. California’s housing affordability index hit a peak of 56
percent in the first quarter of 2012.
C.A.R.’s HAI measures the percentage of all households that
can afford to purchase a median-priced, single-family home in California.
C.A.R. also reports affordability indices for regions and select counties
within the state. The index is considered the most fundamental measure of
housing well-being for home buyers in the state.
A minimum annual income of $114,860 was needed to qualify
for the purchase of a $545,820 statewide median-priced, existing single-family
home in the first quarter of 2019. The monthly payment, including taxes and
insurance on a 30-year, fixed-rate loan, would be $2,870, assuming a 20 percent
down payment and an effective composite interest rate of 4.62 percent. The
effective composite interest rate was 4.95 percent in fourth-quarter 2018 and
4.44 percent in first-quarter 2018.
Housing affordability for condominiums and townhomes also improved in first-quarter 2019 compared to the previous quarter, with 41 percent of California households earning the minimum income to qualify for the purchase of a $450,000 median-priced condominium/townhome, up from 37 percent in the previous quarter. An annual income of $94,690 was required to make monthly payments of $2,370. Thirty-nine percent of households could afford to buy a condominium/townhome a year ago.
Compared with California, more than half of the nation’s
households (57 percent) could afford to purchase a $254,800 median-priced home,
which required a minimum annual income of $53,620 to make monthly payments of
Key points from the first-quarter 2019 Housing Affordability
Housing affordability improved from first-quarter 2018 in 28
tracked counties and declined in 16 counties. Affordability in four counties
In the San Francisco Bay Area, affordability improved from a
year ago in every county. San Francisco County was the least affordable, with
just 17 percent of households able to purchase the $1,532,500 median-priced
home. Forty-six percent of Solano County households
could afford the $430,500 median-priced home, making it the most affordable Bay
Affordability results in the Southern California region were
mixed as only Orange and San Diego counties recorded an improvement from a year
ago, while San Bernardino and Ventura counties experienced a decline. Affordability
was unchanged in Los Angeles and Riverside counties.
In the Central Valley region, affordability held even from a
year ago only in two counties — Fresno and Sacramento — and fell in three
counties — Kern, San Benito and Stanislaus. Kings, Madera, Merced, Placer, San
Joaquin and Tulare counties recorded improvements.
Housing affordability improved in all four counties in the
Central Coast region, which includes Monterey, San Luis Obispo, Santa Barbara
and Santa Cruz counties.
During the first quarter of 2019, the most affordable
counties in California were Lassen (63 percent), Kings (57 percent) and
Siskiyou (53 percent). The minimum annual income needed to qualify for a home
in these counties was $47,340 or less.
Mono (10 percent), San Francisco (17 percent), Santa Cruz (17 percent) and San Mateo (18 percent) counties were the least affordable areas in the state. San Francisco and San Mateo counties required the highest minimum qualifying incomes in the state. An annual income of $322,480 was needed to purchase a home in San Francisco County, and an annual income of $323,010 was required in San Mateo County.
Just Listed at $2,088,000 ｜ 4B 3.5B Apprx 2,538 Sq. Ft.｜Apprx Lot 6,632 Sq. Ft｜
Prime/Convenient location! A rare stylish & elegant two story NEW construction in West Campbell. Soaring high ceiling: 10′ on 1st floor, 9′ on 2nd floor, all w/ 8′ high doors. Level 5 smooth wall with crown molding. Custom iron stair railing, LED lighting throughout. Pre-wired for CAT 5. Tankless water heater. Two zoned HVAC with furnace in attic. Engineered hardwood floor. Kohler faucets & bath, shower trims. Stained garage flooring. Milgard dual pane windows. Gourmet kitchen w/ quartz counter tops & tile backsplash, SS applicances: KitchenAid stove & fridge, Sharp drawer microwave. Sierra West Shaker style custom kitchen cabinets include many gadgets: pullout drawers, spice racks and trash/recycle bins. Blind corner pullouts, silverware organizers, lift up mixer. Butler room, custom laundry & vanities cabinets. Master suite w HUGE walk-in closet. Easy access to Highway 17 & Interstate 280. Close to Westgate shopping, Campbell downtown, Apple campus, etc.https://mingweichien.com/IDX/1014-Springfield-Drive-Campbell-CA-95008/81743451_REIL/0005606
接下來就是跑市府問清楚，連市府permit center都詫異，這樣的情形怎麼會發生。為了要解決問題，我們只好當作是我們曾經remodel，先畫圖floor plan、到市府申請許可，期間還有模有樣的必須申請Title 24，就是為了要符合city Plan Submission Requirements 當初為了省錢，我們自己花了很多時間自己畫了圖，交上、申請許可、叫檢查，看看出了什麼問題，之後請工人修復、檢查、修復然後檢查通過，過程花了整整一個月，還好期間非常幸運，不僅櫃台的人通融，讓我用自己的格局圖，就拿到permit，也能call for an inspection，後來檢查員只挑出一些電盤老舊、加裝GFCI等小問題，我們請來licensed electrician，就在第二次檢查，把問題順利解決了 ，一切都算是不幸中的大幸。
到底什麼裝修需要permit？什麼不需要，像是San Jose City有一些標準可供查閱，點擊連結就能看到。但是每一個city都有不同的標準，請先諮詢在地市政府permit center。