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Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Yes! There are a number of bond programs that offer low or no down payment financing options.
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

The Attorney and Global Marketing Executive Who Became One of the Bay Area’s Top Realtors
John Wei welcomed Kenneth Pang of Serhant Realty to Beyond the Listing for a wide-ranging conversation about what the San Francisco Peninsula real estate market has done since the pandemic, why uncertainty is actually the moment buyers should be moving rather than waiting, and what fifteen years of global marketing and advertising brings to one of the most competitive real estate markets in the country.
Kenneth came to real estate six years ago after careers that spanned corporate law, fifteen to twenty years of global business and marketing across multiple countries, and a consumer technology startup period that followed. His wife suggested real estate during a career transition and he woke up the next morning having talked himself into at least looking into it. What he found was that the skills he had already spent decades building including managing multi-million dollar deals under pressure, negotiating across cultures, and building relationships quickly in new environments were more directly transferable to real estate than most career pivots allow. In six years he has achieved top one and a half percent ranking among California realtors and completed over one hundred million dollars in transaction volume.
Three Waves Since the Pandemic and What They Mean
Kenneth identifies three distinct market cycles on the San Francisco Peninsula since COVID rather than a single trend line. The immediate post-pandemic surge. The pricing correction and recovery period. And the more complex and volatile current environment of 2026 which has itself experienced three sub-cycles within a single year driven by the AI money influx, rate movements, and geopolitical uncertainty.
He makes a distinction that most market commentary misses. The peninsula and San Francisco proper behave differently and require separate analysis. San Francisco has perpetual inventory because of its concentration of distinct neighborhoods and the variety of housing types that serve different buyer profiles. The AI boom of recent years hit San Francisco more directly because many of the employees benefiting from it were younger, urban-oriented buyers interested in high-rise condos and premium two-bedrooms in neighborhoods like Mission Bay, Dog Patch, and SoMa.
The peninsula is different. City by city, neighborhood by neighborhood pricing creates much sharper stratification. Buyers at the one-point-five million and below level were most impacted by the summer’s rate environment both financially in terms of purchasing power and psychologically in terms of confidence. Kenneth estimates that buyers in that range lost between one hundred and two hundred fifty thousand dollars in purchasing power when rates moved from touching five percent toward six and then seven depending on the lender and the loan structure.
Why the Current Moment Is an Opportunity Buyers Are Missing
Kenneth’s view of the current market is direct and grounded in pattern recognition from watching what happened in 2009 and what happened during COVID. The buyers who moved when everyone else was uncertain ended up in neighborhoods and price points they could not access once certainty returned and everyone came back simultaneously.
He is not arguing that things are cheap. The cost of borrowing is higher than it was. But the absolute price of what buyers can access in specific peninsula cities is lower than he has seen in six years of active practice. A buyer who has been priced out of Burlingame while shopping in Redwood City or San Mateo may find the gap has closed enough in the current environment to get into the city, the school district, and the community they wanted.
His argument is temporal. When certainty returns and rates improve even modestly the buyers who have been sitting on the sidelines return all at once. Competition spikes. Prices respond to that competition. The cities that feel achievable today will not feel achievable in three years even if lending rates decline by a point or a point and a half. The property will have appreciated past what the rate reduction saves.
The buyers who stepped in during COVID uncertainty became the people who now have equity and options. The buyers who waited are still waiting. Commitment in the moment of uncertainty is what separates those two outcomes and it requires a lender and a realtor who can translate why the opportunity is real rather than just asserting that it exists.
What Sellers Should Think About Right Now
Kenneth’s seller advice is more case-by-case than his buyer perspective because the calculus depends heavily on how long the property has been owned, what condition it is in, and what the seller plans to do with the proceeds.
A key point he makes is that a poorly conditioned home will underperform the market in any environment but particularly in a depressed one. Sellers who bring a property to market without addressing what buyers are prioritizing right now will get even less than their adjusted expectations suggest. If the home cannot be presented in excellent condition the seller needs to have realistic expectations about where offers will come in.
For sellers who do not know what to do with the proceeds or who have a favorable rate and have owned the property long enough to have significant equity sitting tight is a reasonable choice. An alternative is leveraging existing equity to purchase a rental property or multifamily investment in California or elsewhere, using the stability of the primary residence equity to generate additional return. Sellers who have a genuine use for the capital and a reasonable property to bring to market have reason to act. Sellers speculating that now is somehow the right moment without a clear plan for what comes next may benefit from waiting.
What Makes Kenneth Different in a Market Full of Experienced Agents
Kenneth has lived in the Bay Area for sixteen years but is not from there and did not grow up in any single region. He has lived in multiple cities, traveled extensively for work across multiple continents, and built professional relationships across industries and cultures throughout his career. In a market where most buyers are not from the Bay Area either that shared experience of purposeful discovery of new places rather than knowledge by osmosis creates an unusually natural connection point.
He describes his differentiation in terms of relating to the person before relating to the home. Someone arriving from Toronto, Los Angeles, New York, or overseas has a specific set of life experiences, cultural context, family priorities, and lifestyle expectations. Kenneth’s ability to find a genuine common thread with that person in the first five seconds of a conversation whether by phone, text, or in person is something clients consistently describe as making them feel like they have known him longer than they actually have.
He also identifies three core elements of the real estate business where his background gives him unusual competence. Lead generation which he built through digital channels early because he recognized that being where buyers actually are matters more than traditional door knocking. Relationship building which his marketing and advertising career trained him for across twenty years of meeting people in brief high-stakes commercial contexts. And negotiation which he compares to his experience managing multi-million dollar deadlines with multiple stakeholders.
The paperwork side of real estate he learned through the brokerage system. The other two he already had. That sequencing matters because the paperwork can be learned but the relationship and negotiation instincts are harder to develop after the fact.
Why Serhant and the Own Square Foot Brand
Kenneth moved to Serhant from Compass as part of the brokerage’s West Coast expansion. He was among the first set of agents to join in the Bay Area as Serhant extended beyond its eastern seaboard base following Ryan Serhant’s growth of the brand through Million Dollar Listing and his Netflix series.
His reason for the move was about being one of few rather than many. At a large brokerage where hundreds of agents carry the same flag differentiating within the brand becomes difficult. At Serhant in its Bay Area early stage Kenneth has more access to the marketing and creative resources the brand provides and more visibility within a smaller peer group.
The brand identity he built independently is called Own Square Foot. The name came during a drive to Joshua Tree with his wife. His Instagram handle remains @sqftbyken from the earlier iteration Squarefoot by Ken. He chose not to brand under his own name from the beginning because his marketing background told him a brand identity would serve him better long-term than an eponymous practice.
How to Reach Kenneth Pang
Call or text 415-475-9159. Kenneth responds faster than most people expect and describes being immediately available as a core part of how he serves clients. Visit ownsqft.com. He works across the San Francisco Peninsula from the city south through Palo Alto and serves buyers and sellers at all stages including early-stage exploration of whether they are ready and what they need to do to prepare.
John Wei is available for Bay Area mortgage pre-approval and financing strategy across the Silicon Valley and San Francisco Peninsula market. Reach out to John Wei to connect on the lending side of any transaction Kenneth is working.
Sources
SanFranciscoAssociationofRealtors.com
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
Investopedia.com
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