San Francisco Realtor - Heather Stoltz

08/09/2026

Stuck deciding between buying a home now and holding out for the “perfect” mortgage rate?

The truth is, trying to time the market rarely works. Home prices, mortgage rates, and inflation are all outside your control.

And if you wait for all of them to line up just right, you may be waiting a long time.

My advice? If you want or need to move, look at your own numbers instead.

Because whether it's a good time to buy really comes down to your financial situation.

Can you afford the monthly payment?

Do you have enough money left over as a safety net?

What about for repairs?

It’s not a bad time to buy if the math makes sense for you. And that’s true no matter what you’re hearing about the market right now.

Connect with a trusted lender to run the numbers, then let’s chat.



Text/Call/Email 415-505-9581 for private appointment. Licensed in California #01477482
Serving Northern and Central CA.

08/08/2026

A lot of buyers are waiting because they think mortgage rates will drop dramatically.

The problem? That's not what today's forecasts say is going to happen.

Experts believe mortgage rates will actually stay in the mid to low 6s through 2027 due to a number of factors – including inflation.

What’s that tell me? Waiting may not pay off the way you hope it will.

So, if moving is important to you, I want you to know waiting isn’t your only option.

Builder incentives, adjustable-rate mortgages, assumable mortgages, and rate buydowns are just a few of the strategies worth exploring that could help with affordability right now.

I’m not saying you have to buy today, but you should at least know your options. Let's talk about what could work for you.



Text/Call/Email 415-505-9581 for private appointment. Licensed in California #01477482
Serving Northern and Central CA.

08/07/2026

Your offer was accepted—now what? Getting to the finish line involves a few important, moving pieces that require careful timing. See exactly what to expect next in this blog post via the link in the comments.

Have questions? Don’t hesitate to reach out.

Berkshire Hathaway HomeServices Franciscan Properties | (415) 664-9400 | DRE: 01477482

08/07/2026

Getting a preliminary inspection before you sell can speed up the escrow process and avoid surprises.

Your ‘Go-To’ Real Estate Pro whenever you need a local expert. Reach out or refer me for any real estate needs.

DM or Call me at (415) 505-9581

For a full list of my services visit https://www.propertyinsf.com/services

08/06/2026

Come take a look at this charming original home in a special location. 2 beds/1 bath, 1180 sq ft in prime San Mateo location. Open Saturday and Sunday 2-4pm. Offers to be reviewed beginning 8/12/2026.

Charming 2-bedroom, 1-bath home offering approximately 1,180 square feet of timeless character on an expansive 5,000 square foot lot in one of San…

08/05/2026

Think big investors are snapping up all the homes? The data says otherwise.

The largest institutional investors are now selling more homes than they're buying – and the gap is growing every quarter.

That means those homes are going back on the market for regular buyers. And since big investors tend to own lower-priced homes, a lot of them are right in the range first-time buyers want.

Less competition. More options for you.

DM me and I'll show you what's hitting the market in our area.



Text/Call/Email 415-505-9581 for private appointment. Licensed in California #01477482
Serving Northern and Central CA.

08/05/2026

A new wave of luxury picnics are turning the traditional blankets and snacks into full‑blown cinematic escapes—layered textiles, curated tablescapes, twilight florals, and effortless indulgence crafted by pros who think of every detail. Explore the magic of these styled outdoor moments in the summer 2026 issue of Prestige magazine via the link in the comments.

Berkshire Hathaway HomeServices Franciscan Properties | (415) 664-9400 | DRE: 01477482

08/04/2026

Just Listed! 58 Burbank Ave, San Mateo

2 Bedrooms | 1 Bathroom | 1,180 SqFt

A welcoming front porch sets the tone for this peaceful retreat, where classic charm meets endless potential.

View the property website at www.58burbank.com and call me at (415) 505-9581 for a showing.

08/03/2026

Buying and selling at the same time and not sure where to start?

With houses staying on the market a little longer these days, selling first could be the right move. It keeps you from juggling two mortgages while you wait for your house to sell.

You’ll also know exactly how much equity you’re walking away with (probably more than you think), and you can put it straight toward your next home.

Not sure where you’d stay in between? That part’s manageable with the right plan.

Let’s talk through the pros and cons. We’ll figure out what makes the most sense for you – and how to make the whole process as stress-free as possible.



Text/Call/Email 415-505-9581 for private appointment. Licensed in California #01477482
Serving Northern and Central CA.

08/03/2026

Quiet damage could be wearing down your home’s value without you even realizing it. Before the seasons shift, make these essential, value-protecting moves today.

See the full late-summer checklist in this blog post via the link in the comments.

Have specific questions? Get in touch anytime.

Berkshire Hathaway HomeServices Franciscan Properties | (415) 664-9400 | DRE: 01477482