Harmony Homes by Ajjayy

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Harmony Homes by Ajjayy
Realtor® | Real Estate Advisory | Energy Alignment for Homes

Helping buyers and sellers navigate Silicon Valley real estate with clarity, structure, and a deeper understanding of how space influences decision-making and outcomes.

10/06/2026

If you own a single family home in California, something changed just days ago that directly affects the value of your property — and most homeowners haven't heard about it yet.

A new state law now requires cities to give automatic, streamlined approval for additional units on any lot with a single family home — a specific allowance that surprises most people when they hear the actual number. What matters most is that it removes the discretionary piece entirely — no city council hearing, no planning commission deciding whether they feel like approving it that month. If an application meets the standard requirements, it has to be approved.

For homeowners in Santa Clara County specifically, this is a meaningful shift. Land here is some of the most expensive in the country, and a backyard that was previously limited by local discretion can now potentially support meaningfully more than most people assume, through a faster, more predictable process. That translates into real options: rental income, a place for aging parents or adult children, or simply added resale value when you eventually sell.

Here's what's easy to miss: this isn't only relevant to people who already own. If you're currently shopping for a home, the right lot right now carries hidden upside that most listings aren't pricing in yet — because most buyers, and even some agents, don't fully understand what just changed. That gap closes fast once this becomes common knowledge, and prices tend to catch up quickly once a lot's real potential becomes obvious to everyone.

Every lot is different, and the specific rules, and exact unit count, that apply depend on zoning, lot size, and existing structures. Rather than guess, message me directly and I'll walk you through what a specific property, yours or one you're considering, can actually support under the new rules.

Whether you're protecting value you already have, or looking to secure a property before this gets fully priced into the market, now is the window to act.

Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.
Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

10/03/2026

It's official. Governor Newsom signed Assembly Bill 2050 into law on September 29 — and if you own a condo or townhome in California, or you're planning to buy one, this directly affects you.
Here's what the law actually requires: every HOA in the state now has to maintain a reserve study projecting whether it can cover major repairs over a rolling 30-year window. If that projection shows the reserve balance falling below zero at any point, the association is required to transfer at least 15% of its gross annual operating budget into reserves each year until it's no longer short. If the regular budget can't absorb that transfer, the law requires the HOA to levy a special assessment directly on homeowners. That's not a worst-case scenario — it's written into the bill itself.
For context: nearly one in four California households pays HOA fees, and the statewide median HOA fee is already more than double the national median. Supporters argue this finally forces associations to budget honestly instead of surprising owners with massive bills after years of underfunding. Critics, including the Consumer Federation of California, pushed for a veto, warning that some owners could be pushed out of their homes by the resulting fee increases.
The requirement itself doesn't formally take effect until January 2032. But here's the part that matters right now: HOA boards are expected to start running these 30-year reserve projections well before that date, which means monthly dues and special assessments on buildings with underfunded reserves could start climbing long before 2032 actually arrives.
If you own a condo, or you're shopping for one, that's the question worth asking before anything else: what's this HOA's current reserve funding percentage, and has the board already started adjusting for AB 2050? That one question tells you more about your real future costs than the current monthly due ever will.
I help buyers and owners understand what's actually coming, not just what's currently listed.
Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.�Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

10/01/2026

There's a common piece of advice floating around right now: if you're not a cash buyer, you can't compete in this market. That's not entirely true — it's just that most buyers have never heard of the financing structure that closes the gap.

Asset-based lending qualifies a borrower using assets they already hold — investment portfolios, retirement accounts, business income, or equity from another property — rather than relying solely on traditional W-2 income documentation. For buyers who have real financial strength but don't fit the standard underwriting profile (business owners, consultants, people with significant investments but modest reported income), this can unlock faster approvals, more flexible terms, and an offer that moves with the same speed and certainty sellers associate with cash.

Here's the key reframe: a seller isn't choosing a cash offer because cash itself is special. They're choosing it because it removes uncertainty — no appraisal contingency risk, no financing falling through, no lender delays. Asset-based financing, structured correctly, can offer that same certainty without requiring a buyer to actually liquidate assets into cash.

This is a timely topic, too — it's exactly what's being covered in today's Lunch & Learn session on asset-based mortgage solutions, because more buyers in this market need this option than currently know it exists.

I don't just sell houses — I help buyers structure financing that competes with cash, without needing to be a cash buyer.

Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.
Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

09/30/2026

Here's a statistic worth sitting with if you're buying in the Bay Area right now: nearly a third of home purchases in the San Francisco metro area were made entirely in cash between April and June of this year. That's not inherited wealth or longtime investors — a meaningful share of it traces directly back to AI industry liquidity events.

Hundreds of current and former employees at companies like OpenAI have sold shares worth billions collectively, with dozens walking away with $30 million or more individually. That capital is landing directly in the local housing market, often as all-cash offers that don't need financing contingencies, appraisal gaps, or lender timelines to close.

This shows up clearly in the data. According to a recent Chronicle analysis of census figures, nine of California's ten richest suburbs are now located in the Bay Area — a dramatic shift from a decade ago, when the list was split evenly with Southern California. Los Altos tops the list, with an average home value around $4.7 million. Closer to home, Santa Clara, Sunnyvale, Cupertino, and Los Gatos all rank among the state's fastest-growing household incomes over the past ten years.

For buyers competing without that kind of liquidity, this matters directly. When a meaningful share of competing offers are cash, with no financing risk and often no appraisal contingency, a financed offer has to be structured more carefully to stand a real chance — clean terms, a strong pre-approval, and a lender who can actually perform quickly.

I don't just sell houses — I get you home, in every sense of the word.

Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.
Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

09/29/2026

Here's a data point that doesn't add up the way you'd expect — and that's exactly why it's worth paying attention to.

New listings across California fell 39.3% week-over-week, according to the latest CAR data. Under normal conditions, a sharp pullback in new sellers should relieve pressure on the sellers already sitting on the market — less competition means less urgency to cut price. Instead, the opposite happened: the share of active listings that have reduced their asking price actually climbed to 41.2%, up from the week before.

That combination is worth sitting with. It suggests the sellers already in the market aren't feeling reassured by lighter incoming competition — they're feeling pressure from softening buyer demand instead, and adjusting price to compete for the buyers who are still active. Pending sales also fell sharply, down 34.7% week-over-week, reinforcing that the slowdown is on the demand side, not just a temporary dip in new supply.

For buyers, this is a meaningful signal. A market where existing sellers are cutting price even as new competition thins out is a market where negotiating leverage is shifting toward whoever is actually ready to make an offer. That's not something headline median price numbers capture — it shows up in seller behavior first.

I don't just sell houses — I get you home, in every sense of the word.

Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.
Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

09/27/2026

There's a bill sitting on Governor Newsom's desk right now that most condo owners in California haven't heard of — and the decision he makes by September 30th could directly affect what it costs to own a condo going forward.
AB 2050, which already passed the state legislature, would require HOAs to maintain a fully funded 30-year reserve. Starting in 2032, if an association's reserves are projected to run short at any point across that window, the HOA would be required to put at least 15% of its annual budget toward closing the gap. If the regular budget isn't enough to cover that, the bill requires the HOA to raise the difference through a special assessment on homeowners.
Supporters argue this simply forces associations to budget for costs that were always coming — avoiding what one advocate called a "tsunami of special assessments" down the road, the kind Florida saw after a similar law followed the Surfside condo collapse. Critics counter that HOAs could raise dues with limited oversight, since boards can already increase regular assessments up to 20% per year and levy special assessments up to 5% of the budget without a homeowner vote.
Separately, and regardless of what happens with this bill, Fannie Mae is raising its own required condo reserve contribution from 10% to 15% of an HOA's annual budget starting next year — meaning lending pressure on condo associations is increasing either way. Buildings that don't meet these reserve and maintenance standards are already showing up on lender "blacklists," making financing harder and sometimes forcing all-cash purchases.
For anyone buying or owning a condo in California right now, the practical takeaway is this: today's HOA due doesn't tell you what that same unit will cost to carry in three years. Reserve health, not just the monthly number, is worth understanding before you buy — or before you assume your current dues are staying where they are.
I don't just sell houses — I get you home, in every sense of the word.
Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.�Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

09/25/2026

Something unusual is happening in Santa Clara County's housing inventory right now — and the window it's created won't stay open long.

Active listings climbed to 2,709 as of the week ending September 19 — up from 2,419 just two weeks earlier, and notably higher than the same week in both 2025 and 2024. Under normal seasonal patterns, inventory starts tapering off by late September. This year, it's doing the opposite: 421 new listings came on in a single week, while only 246 closed — a closed number that's actually running behind last year's pace for the same period.

That combination — supply increasing while demand growth lags — hands buyers real, immediate leverage: more selection, more time to decide, more room to negotiate. But markets like this correct themselves quickly. The moment closed sales start catching up to this inventory, that negotiating power evaporates, often faster than it built up, and often before buyers sitting on the sidelines even realize it happened.

Worth watching alongside this: AB 2050, a bill requiring HOAs to maintain 30-year reserve funds, is awaiting the Governor's signature by September 30. Combined with Fannie Mae raising required condo reserve contributions from 10% to 15% next year, financing friction on condos specifically is likely to increase — another reason the current window matters more for condo buyers than the headline numbers suggest.

I don't just sell houses — I get you home, in every sense of the word.

Send me a message to schedule a no obligation 15 minute call, or search "Harmony Homes by Ajjayy" on YouTube.
Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

09/09/2026

Not every home hits the open market — and this is one of those.

A rare opportunity has come available for under $1.9 million in Almaden Valley, one of San Jose's most sought-after communities. This single-family home offers 4 bedrooms, 3 bathrooms, and approximately 2,200 square feet of living space on a generous 7,800 square foot lot — with a private, landscaped backyard featuring a pool and hot tub, owned solar panels, central air, and a functional floor plan with real room to reimagine and update.

For investors, this is the kind of value-add opportunity that rarely surfaces in this pocket of San Jose. For homeowners, it's a chance to bring your own vision to a home with great bones in an established, highly desirable neighborhood.

The school assignment is a major draw on its own — the elementary school carries a 9/10 rating, and the assigned high school holds a perfect 10/10, both well above average even for this zip code.

This is being offered as a Private Exclusive — it won't appear on the public market or the usual listing sites. If Almaden Valley has been on your list, or you know an investor whose search this fits, now's the time to have that conversation.
Message me directly for details — this one moves through relationships, not open houses.
Schedule a no obligation 15 minute call: harmonyhomesbyajjayy.com/home Also check out my YouTube channel: https://youtube.com/ Ajjayy Aggarwal | REALTOR® Coldwell Banker Realty CalDRE: 02431254

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19330 Stevens Creek Boulevard
Cupertino, CA
95014

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