Your December 2022 Letter From My Heart, with the Good Bad n Ugly

Good morning to the Holiday Season,

Stay Aware and Be Ready with Mike !!

Home Buying Continues – Early Preparation is Key to Success. 

Recent News

– Inflation: Numbers are showing signs of easing – as predicted. If we begin pumping and drilling for oil, deflationary pricing may take hold, as oil prices drop. If not, they will come down due to conditions of a deepening recession. Key – stay aware and ready with Mike. 

– Federal Reserve: Fed talk is increasingly about becoming more dovish – consumer friendly – just in time for the Spring Buying Season. A Christmas gift waiting to be opened. It comes with the understanding that our Federal Reserve Board is often late to the game, tending to be overly focused on “lagging” indicators. This, instead of daily events actually happening on main street. As a result, rates will stop going up and may even pull back. If so, NOW is the time to begin preparing for Spring Buying. A late Christmas present is always welcome. 

– Consumer Sentiment: Drops in November. This, despite the fact people continue buying and smaller companies continue to hire. Mike’s response: This drop in sentiment, may reflect an increasing concern about actual job employment, than inflation, alone. We will keep a close watch and hope the Fed is not blind to this reality. People would rather fight inflation while employed, than fight this good fight, unemployed, where no one wins. 

– Homeownership and Wealth Effect: History shows clearly, the long-term benefits of home ownership. And if rates soften in the Spring, those best prepared today, will be first in line for the home they desire. Thus, the season is now for preparation, readiness, and anticipation. More details below. Bottom line: Call today. Let’s begin. 

Bottom Line: Don’t Delay

Preparation Begins Today!

Key to Success: Preparation and Readiness. An excellent way to let your Realtor and Seller know your commitment to success. It is the key step in turning your dreams into reality. For certain, don’t let the “All Cash buyer” be of concerning. Most Sellers prefer the hands-on experience of a traditional Home Buyer. Homes are personal and families are part of the American heritage.

Bottom Line:

Call today and prepare for the home you want, today. 

Be ready today. A strong loan application is a winning attitude.

It strengthens your Realtors efforts in selling your offer. 

Being “best” prepared, is sound advice. 

Interesting News We Can Use

Demand: Good News. Santa Clara County numbers remain with approximately 200,000 renters in the zone of being financially able to purchase – great for Sellers. 

Interest Rates: The short answer: Rates are up, but stabilizing for now.

Conventional loans: Tracking into the 6’s again, as we bounced off recent highs. Rates on cash-out refinance and investor loans, run a bit higher.  We anticipate better mortgage rates, as we approach Spring Buying. What does this mean? Being well prepared today, will be needed in a market where the inventory of homes to buy, will be tight. It is Key. Call Today. 

Builders Numbers: In the face of higher rates, it will good to see if “building” new homes keeps pace with demand. Locally, new home supply, continues to fall short of actual needs and available demand. As for Building, it targets: Upper incomes for single family and also, high density around transit corridors with condo’s and apartments. Sadly, entry level housing will not return to the robust levels of the 70’s. Why? Public and Statewide governmental policies.

Employment: Question #1: What will be the ripple effects to an economy responding to a slowing of demand – first caused by inflation and now, by actual employment. Inflation came from a shortage of supply due to the mandated Covid shutdown of supply. This was quickly followed by an untested flooding of “free” governmental money.  It proved not to be free.

 Now, in response to rising inflation and the stopping of US energy production, we have rapidly rising interest rates.  Question #2: Is the current hiring freezes, the first step to large scale job losses?  Question #3: Will falling demand, bring about excess business inventory, that needs to be sold for needed cash – deflation? This may prove a tough one-two punch. Bottom line: Too much, government; too much, unsubstantiated emotional fear; and not enough of the free market, governed by individual responsibility and accountability to truth. 

The Good, the Bad, And the Ugly

THE Good: Based on “Supply and Demand” metrics, real estate buying opportunities should continue thriving in the Bay Area. The long-term uptrend in appreciation is solid, even if we have times of softening prices. Good news: As a whole, the Bay area is uniquely special and your home is a long-term commitment, not a day-traded commodity. 

In review, single family homes appreciation in Santa Clara County: Based on year-to- year averages: 7.6 % annually the past 5 years; 8.5 % the past 10; and 6.6 % per year the past 63 years! 

THE BAD: For Buyers: Supply shortage of the homes you want, thus simply waiting. For Sellers: Fears of finding a Buyer, when price are falling, or of selling to soon, instead of waiting. The Good News: This is the market place of “buying and selling”, where facts and emotions come together in the act of choosing. But in my many years, key to assuring success, begins with early preparation and good discussions with real people. So, with this in mind, this coming home buying season will prove interesting and much will be spoken. 

But for my clients, those seeking success, their preparation will again prove far better than words spoken or read. Key: To gain success and be successful, be prepared early and with a proper perspective. Know your market place and what is driving prices. This quiets the needless fears and keeps you alert to what matters. It is what I do and know.  Call today!

THE UGLY: It is the sorrow I feel, when I meet buyers who see the buying of one’s home as if stock, where you are trying to buy the bottom and sell the top. Yes, timing is a good thing, but home ownership, by design, is a long-term commitment.  Offering pricing flexibility and tax-advantages. Herein, timing becomes far more a small detail, to the long-term horizon. 

From my experience, market timers fall generally into 2 general categories. The first, always talks, but never buy, always finding the next excuse. I have no interest. The second category, believe preparations can wait, until after one decides. Thus why prepare early. The paper work is easy and they have no problems. The Ugly is when they find out the truth, after it is too late, and they miss out on the home they greatly desired. Even worse, once the problems are correct, Springtime buying has peaked and becomes a buying frenzy of multiple offers.

The “win” goes to those prepared and ready. Avoid the Ugly, call Today. Win on the first try.

Planning and Preparation 

We are shifting our focus, as we prepare our clients to be prepared and ready to engage in the competitive world called, home buying. We know from years of proven experience, investing the time in being best prepared, is key to the success we want for our clients.  Let’s talk.

The buying of your home – the one you want – is a huge process, with many decisions. And regardless all else, we do not want you to be thrown to the wolves or to throw up your hands say, “this is too much.” Please, don’t be prey to ignorance and half-truths. What is key to staying strong and ahead of the game – financial preparedness. With this already in hand, you the Buyer, is better able to focus solely on the property, its location, and your personal needs. This approach to success, keeps you from being overwhelmed and talk into poor choices. We want you to enjoy the home buying process, knowing you are in control of your future. 

Why call Mike

What We Do – Why We Are Here

We know how to explore and carefully examine the many available real estate options. We scrutinize for safety and prioritize the most feasible. It is how we build a trusted relationship with you, as you grow your wealth and secure a solid future – for you and your family. 

Small Business: We love small business and provide loans offering a full array of financing.

Residential / Commercial: We offer strong lenders and a complete package of lending options.

Tax-deferral strategies:  Investment portfolio tend to be dynamic in nature, subject to change and surprise. It is why it is important to keep updated, as to tax law. Herein, is a key question: Pay taxes today or keep your cash, working for you? How? By “deferring projected capital gains tax”? And if keeping your capital – working for you – sounds good, let’s talk. Let’s discuss the best available options and plans-of-approach. Best: We have the professional team who know how to bring it all together. Details matter and they know all the small details. 

Why: Why payout up to hundreds of thousands of dollars – even Millions – when there are tools to keep your hard earned money working for you – and your estate. Interested? If so, now maybe a good time to talk – to start planning for tomorrow. Tax planning is a good strategy, especially with new laws wanting to stop you from passing highly appreciated real estate, onto your heirs. Let’s talk. Your estate matters.

What We Do: Our role is to explain and bring clarity to time-tested strategies able to keep your money working for you. For me, this presents a solid opportunity to keep your cash and build wealth. One that is worthy and a profitable use of your valuable time. Let’s talk. 

Tools: We offer multiple tools and proven methods for highly appreciated holdings. The goal: Keeping your cash in your proven hands. Our team offers highly qualified and knowledgable professionals, are ready to make it happen. 

Retirement: Like myself, as we mature, real estate becomes more personal. If you agree, let’s talk. Together, we can help find answers and solutions to questions about a too soon, tomorrow. We can start today. We can address a range of questions, from working at home, to a multitude of retirement options. Our effort is to bring clarity to important real estate planning issues.

Our Purpose:

Be insightful and practical. 


*To Work with you, finding best answers and solutions.


Being Straight Forward with No Short Cuts. 

Success begins with solid preparation and a proven professional – Mike Ryan. I know the ropes and am a proven advocate. I offer time-tested insights and experience. Best, I love to see my clients achieve their goals. Call us – the professional team who stands with you. Call today. We are ready. 

Thank you and continued blessings.

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