Mike Koran at PRMI San Francisco

Mike Koran at PRMI San Francisco We’re ready to provide you with a residential mortgage program that matches your unique needs

Our team of experienced loan officers are dedicated to building lifelong relationships, from the moment you are ready to purchase your first home, to refinancing or upgrading to your dream home, we will be there for you every step of the way. Branch NMLS #227047

NMLS #87656 | CA -DOC87656 | FL | NV #63673 | TX #87656 | WA -87656

08/24/2026
"We can always come down later" is the line that costs sellers the most.It sounds safe. Start high, leave room to negoti...
08/19/2026

"We can always come down later" is the line that costs sellers the most.

It sounds safe. Start high, leave room to negotiate, drop the price if the house doesn't move.

But buyers don't negotiate a high price down anymore. They have too many other homes to look at, so they skip yours and never call. You don't get a low offer to counter. You get silence, then a price cut a month later.

The thing the slides don't have room for: the price cut itself becomes the story. Buyers see the reduction and assume something's wrong, so the house that was overpriced now gets treated like it's flawed. Two strikes from one decision.

If you're weighing a move this year, send me a message. I'll pull the real numbers for your home and your neighborhood so you price it right the first time.

08/14/2026

Sellers are giving concessions at a record rate. Here's how to actually use that.

For a few years, buying meant waiving the inspection, racing five other offers, and paying over asking just to lose anyway. A lot of people stepped back and waited. That market is fading.

There are more homes on the market now than there have been in years. When buyers have options, sellers have to compete, and right now nearly half of them are offering concessions. That's the highest share on record for this time of year.

A concession isn't just a lower price. It can be the seller covering your closing costs, paying for repairs the inspection turns up, or buying down your rate so your monthly payment drops. On the right listing, that's thousands of dollars you're leaving on the table if you don't ask.

The leverage is real, but it's uneven. A house that's sat for a month has far more room to give than one listed last week, and knowing which is which is the whole game.

If you've been sitting out, send me a message. I'll walk you through what you can actually ask for right now.

The highest-returning project before you sell costs less than your fridge.Almost every seller I talk to opens with the k...
08/05/2026

The highest-returning project before you sell costs less than your fridge.

Almost every seller I talk to opens with the kitchen. It is the room they have been meaning to fix for years, and listing finally gives them permission to spend the money.

The data does not back that up. The 2025 Cost vs. Value report puts a garage door replacement at 268% recouped and a midrange bathroom remodel at 80%. The projects at the top of the return list are almost all small and on the outside of the house.

Here is the part the ranking leaves out. The projects that score highest for return are not the ones people love living with. Kitchens, primary suites, new roofing, those are what homeowners actually enjoy. That happiness just does not always come back to you dollar for dollar at closing.

So the question is not which project is best. It is whether you are spending to enjoy the house or spending to sell it. Those are two different budgets.

Send me a message before you spend anything and I will tell you what buyers are paying attention to right now.

07/31/2026

The project with the best return at resale is the garage door. I know how that sounds.

About $4,700 to replace. It adds roughly $12,500 in resale value.

A new steel front door is next. Around $2,400 in, and more than double that back out at closing.

Then compare that to a midrange bathroom remodel. About $26,000 spent, about $21,000 back. A minor kitchen refresh, new counters and cabinet fronts and paint, actually does slightly better than break even. It's the full gut renovation that quietly costs you.

The pattern is hard to miss once you see it. The projects that pay you back are small, cheap, and on the outside of the house. The ones you'd be excited to show people are the ones you lose money on.

That doesn't mean skip them. Some projects are worth doing because you'll enjoy living with them, and that's a real reason. Just know which bet you're making before you commit the budget.

Send me a message and I'll tell you which of these is worth doing on your house before you list.

A client added their daughter to the deed to avoid probate. Clean, simple, done.The estate attorney saw it differently.T...
07/22/2026

A client added their daughter to the deed to avoid probate. Clean, simple, done.

The estate attorney saw it differently.

Three things nobody told them:

1️⃣ Adding a name transfers your original cost basis. The taxable gain calculates from what you paid in 1991, not today.
2️⃣ Inheriting the home through a will would have given her a stepped-up basis to current market value. Same house, very different tax bill.
3️⃣ A gift tax return was required. They found out after.

One conversation with the right person before the deed gets filed can change everything. Always ask me about anything to do with your home. If I don't have an answer, I can refer you to my trusted estate attorney.

Drop a comment if you need a referral.

07/17/2026

He titled it as joint tenancy. Seemed straightforward.

When he passed, his daughter's share automatically transferred to his son. The will didn't matter. The deed overrode everything.
She got nothing.

I was talking through a case like this with the estate attorney I refer my clients to and something they said stuck with me. They said most families don't find out how their deed is titled until it's too late to change it.

Do you know how yours is titled right now?

If you're not sure, that's worth figuring out before anything gets filed. Drop DEED in the comments and I'll connect you with someone I trust.

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