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San Mateo County Market Update April 2026

Mon, 20 Apr 2026 21:21:49 GMT

This Market Is Not Slow. It’s Selective.

And Pricing Is Driving Everything

Lately, I have been hearing a similar question from both buyers and sellers:

“Is the market slow right now?”

The honest answer is no. But I understand why it feels that way.

What we are seeing today is not a slow market. It is a highly selective one, and it is behaving very differently depending on the type of home and how it is priced.

A Market That Is Splitting by Property Type

Right now, the Bay Area market is not moving as one. It is splitting into distinct segments.

The condo market is still relatively slow. Many units are taking 30 to 50 days to sell, and buyer urgency is limited. This is not a lack of interest in homeownership, but a reflection of choice. Buyers in this segment have options, and they are taking their time.

Townhomes are performing better. When priced correctly, they are no longer sitting on the market in the same way. We are seeing improved activity and more consistent timelines to sell, but still within a stable pricing environment.

Single-family homes are where the story becomes more dramatic.

These properties are performing very well, but only under one condition: pricing and positioning must align with what buyers expect. When they do, the level of competition is significant.

When Pricing Is Right, Competition Explodes

For single-family homes that are priced correctly, we are not just seeing multiple offers. We are seeing a surge in competition. It is common to see five to six offers. Increasingly, we are seeing ten, fifteen, even twenty-five offers on a single property. That level of activity is pushing final sales prices significantly above asking.

In many cases, homes are selling three hundred to five hundred thousand dollars over the list price. In some recent cases, I have seen properties approach nearly one million dollars over asking. You'll see this reflected in the data below.

That kind of outcome feels surprising if you are only looking at the broader market headlines. But when you look at how these homes are positioned, the results make sense.

When Pricing Is Off, Buyers Disengage Completely

On the other side of the market, when a home is not priced correctly, buyer behavior changes just as dramatically, but in the opposite direction.

Buyers are not submitting low offers to “test the waters.” They are not negotiating in the same way we might have seen in previous cycles. They are simply moving on . Today’s buyers are informed, focused, and efficient. If a home is priced above where they believe it should be, they interpret that as a signal. It tells them that the seller may not be aligned with the market or may not be motivated to transact. Rather than engaging, they choose not to spend time on it at all.

This creates a sharp divide. Some homes feel like they are in a bidding war environment. Others feel quiet and slow. The difference is rarely the market itself. It is the pricing.

This Is Not a Seasonal Pattern

What makes this market particularly interesting is that this behavior is not tied to the usual seasonal shifts .

We are not simply seeing a spring surge or a summer slowdown. These patterns are happening across the same time period, sometimes within the same neighborhood. That is what makes it feel confusing from the outside. However, from a market perspective, it is not random. It is the result of buyers recalibrating how they make decisions. They are more analytical, more disciplined, and more responsive to perceived value.

The Key to This Market Is Precision

The takeaway from all of this is clear: This is a market that rewards precision.

For sellers , pricing is no longer just a starting point. It is the strategy. It determines whether your home generates momentum or gets overlooked. If you price correctly, you will attract attention. You will create competition. You will give buyers confidence to engage, and that is what ultimately drives strong results.

If you price incorrectly, even slightly, you risk losing that momentum entirely.

For buyers , the lesson is just as important. The homes that are priced well and positioned correctly will be competitive. You need to be prepared for that. At the same time, there are opportunities in parts of the market where activity is more measured.

Understanding the difference is what allows you to move strategically instead of reactively.

A Market That Rewards Clarity

This market may feel inconsistent, but it is actually very clear once you understand what is driving it.

Buyers are active. Demand is real. But engagement is conditional.

Homes that align with expectations are rewarded. Homes that do not are filtered out quickly.

The best time to start your strategy was yesterday. The next best time is today.

If you are thinking about buying or selling, the most important step is understanding where your home or your goals fit within this market. From there, we can build a strategy that works with how buyers are actually behaving today.

If you are thinking about buying or selling this year, let us talk about your goals and build a plan that positions you for success in today's market.

March 2026 Market Reports

Below you'll find market information for San Mateo County, the City of San Mateo, and Foster City

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo County Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo City Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

San Mateo County Market Update March 2026

Thu, 05 Mar 2026 11:29:33 GMT

A Small Interest Rate Shift, A Big Market Signal

This past week we saw something small on paper but meaningful in practice. Mortgage interest rates dipped just slightly below six percent. On its own, that change might not look dramatic. Yet almost immediately we saw the impact across the market.

Open houses this weekend were busy.

Buyers who had been watching the market from a distance suddenly showed up in person. Conversations that had been quiet a few weeks ago became active again.

This is one of the realities of real estate that people often underestimate. Small changes in borrowing costs can create noticeable shifts in buyer behavior. Even a fraction of a percentage point affects affordability, monthly payments, and ultimately confidence.

What we are seeing right now is not a sudden boom. It is a reminder that demand in the Bay Area housing market remains strong and ready to move when conditions improve even slightly.

The Market Is Not Slow. It Is Normal.

Over the past few weeks I have heard from several sellers who feel the market is slow.

In reality, what we are experiencing is something different. We are seeing the market settle into a more normal rhythm after several years that were anything but normal.

The post pandemic real estate market was defined by extraordinary conditions. Historically low interest rates combined with pent up demand created a period of intense competition. Homes routinely received double digit offers, buyers waived protections, and prices accelerated at a pace that was not sustainable.

What we are seeing today is not a slowdown. It is a return to a healthier, more balanced cadence.

Homes still sell. Buyers are still active. Competition still exists. The difference is that decisions are more thoughtful and expectations are more grounded.

For both buyers and sellers, this normalization is actually a positive development.

What This Means for Sellers

The recent increase in open house activity shows that buyers are paying attention. But it also reinforces something important for sellers.

Pricing matters more than ever.

In a market where buyers are closely calculating their monthly payments, even relatively small price differences can change the way a property performs. A difference of fifteen thousand dollars in price may not seem significant in the context of a Bay Area home value, but for many buyers it can push the monthly payment beyond their comfort zone.

When that happens, activity cools quickly.

When pricing aligns correctly with market expectations, the opposite occurs. Buyers engage, showings increase, and offers follow.

The lesson for sellers is simple. Strategic pricing is not about leaving money on the table. It is about positioning your home where buyers feel confident stepping forward.

In the current market, that precision can make the difference between a quiet listing and a competitive one.

What This Means for Buyers

For buyers, the current environment should actually feel encouraging.

You are still in a competitive market, but the landscape has become more predictable. Instead of every property becoming a bidding war, we are seeing a more consistent pattern.

The very best homes, those with excellent condition, strong locations, and thoughtful pricing, will still attract multiple offers.

Many other homes will follow a more measured path. They may still sell over asking, but typically within a more rational range rather than the dramatic jumps we saw several years ago.

This stability allows buyers to approach the process with more confidence. You can evaluate properties carefully, review disclosures thoroughly, and make decisions based on long term value rather than urgency.

It is still important to be prepared. Financing should be fully reviewed and expectations should be realistic. But buyers who are ready will find opportunities that simply did not exist during the peak frenzy years.

A Market That Rewards Preparation

One of the themes I see most clearly in today's market is that preparation matters.

For sellers, preparation means pricing strategically, presenting the home beautifully, and understanding how buyers are thinking about affordability.

For buyers, preparation means understanding your financing, knowing your comfort range, and recognizing when the right opportunity appears.

The slight shift in interest rates this week is a perfect example of how quickly momentum can change. Buyers who were already prepared were able to step into the market immediately. Those who were still thinking about it are now rushing to catch up.

Real estate has always rewarded preparation. In today's environment, that remains true.

Stability Is a Strength

After several years of volatility, stability is something to appreciate.

A market that moves at a thoughtful pace allows buyers and sellers to make better decisions. It allows families to plan with confidence. It allows real estate to return to what it has always been at its best: a long term investment in stability, community, and home.

The recent interest rate movement is a reminder that demand has not disappeared. It has simply been waiting for the right moment to act.

The best time to start your strategy was yesterday. The next best time is today.

If you are thinking about buying or selling this year, let us talk about your goals and build a plan that positions you for success in today's market.

February 2026 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo County Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo City Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Strength in Experience. Depth in Strategy. A New Chapter for Our Clients.

Thu, 05 Mar 2026 01:33:54 GMT

For more than two decades, I have built my business around one principle: deliver exceptional results through preparation, strategy, and relentless advocacy. Today, I am proud to share an important evolution of that commitment.

I am now working closely alongside longtime Peninsula real estate professional Burt Tsuei , bringing together two experienced advisors with complementary approaches and more than 50 years of combined real estate expertise serving the Mid-Peninsula and Greater Bay Area.

This collaboration is designed with one purpose: to elevate the experience and strategic advantage our clients already rely on.

Why This Matters for You

In today’s market, experience alone is not always enough. Precision matters. Timing matters. Negotiation matters. Execution matters.

Burt and I share a common philosophy: protect our clients’ best interests, provide informed and thoughtful guidance, and ensure every step of the process feels seamless and intentional. Where my approach centers on sharp pricing strategy, innovative marketing, and competitive positioning, Burt brings equally seasoned expertise grounded in deep local roots and careful client advocacy. Born in Foster City, he offers lifelong Peninsula insight and an intuitive understanding of neighborhood dynamics that strengthens our strategic planning.

For our clients, this means every pricing conversation benefits from dual analysis. Every negotiation is strengthened by two experienced perspectives. Every listing and every offer receives collaborative oversight. The result is greater depth in preparation, broader market intelligence, and an even higher level of responsiveness and execution.

Important decisions deserve layered insights. Our clients now benefit from exactly that.

A Complementary Approach to Client Service

Burt is known for his attentive, client-centered style. He listens closely, educates thoroughly, and ensures his clients feel both confident and empowered. His mission is simple: protect your interests and make the process seamless.

That philosophy aligns naturally with my own.

For sellers, our collaboration enhances strategic pricing discussions, marketing refinement, and negotiation positioning. For buyers, it strengthens offer strategy, expands access to competitive opportunities, and provides seasoned counsel in complex scenarios.

We approach every transaction with the understanding that real estate decisions are both financial and deeply personal. Our combined experience ensures no detail is overlooked and no opportunity is missed.

Aspire Higher, Together

“Aspire Higher” has always represented a commitment to raising the standard of service in our market. Working alongside Burt allows us to elevate that standard even further. It strengthens the foundation of what we already do and enhances the level of strategic guidance our clients can expect moving forward.

If you have questions about what this means for your next move, I welcome the conversation.

As always, our focus remains the same: protect your interests, position you powerfully, and deliver results that speak for themselves.

—
Rumana Jabeen
Rumana Jabeen & Associates

San Mateo County Market Update February 2026

Sat, 07 Feb 2026 00:58:53 GMT

Even Though the Market Is Slow,

There Is Still a Lot to Love

Late winter and early spring are usually when we expect the Bay Area real estate market to wake up in a noticeable way. More listings hit the market, buyers become more active, and momentum starts to build. This year, movement is happening, but it is more measured. The pace is slower, the tone is more cautious, and the activity is concentrated around specific homes and specific neighborhoods.

And yet, there is still a lot to love about this market.

I say that not as a slogan, but as an observation from what I am seeing every week across San Mateo County and the surrounding areas. Even with economic concerns, global uncertainty, and mixed consumer confidence, people are still planning their lives. They are still forming households, growing families, relocating for work, and thinking long term. For many Americans, long term stability still includes homeownership. That underlying demand has not disappeared. It has simply become more selective and more thoughtful.

What I Am Seeing Right Now in the Bay Area Market

We are firmly in the late winter, early spring window, but overall activity is only just beginning to move. The market is not frozen, but it is not broadly fast either.

There are active buyers in the market right now. Some properties are drawing strong attention, multiple disclosure downloads, and competitive offers. These tend to be homes that check the right boxes: strong location, good condition, realistic pricing, and functional layouts. When those homes appear in desirable neighborhoods, buyers respond quickly.

At the same time, much of the rest of the market is calmer. Some listings are seeing fewer showings and longer days on market. Inventory remains tight, especially in the most in demand areas, where available homes are surprisingly scarce for this time of year. In several neighborhoods my buyers are watching closely, there is simply very little to choose from.

This creates a split market. Highly desirable homes are active and competitive. Average or overpriced homes are quiet. That contrast is one of the defining features of the current season.

A Real-Time Example of Buyer Energy

One of the clearest reminders of this came recently with 131 Yawl Court in Foster City .

I expected this home to be well received. It is a strong property in a desirable neighborhood. Even so, the level of interest during the first weekend exceeded expectations. The open houses were very busy, and the property received multiple offers right away.

That kind of response might sound surprising given the broader sentiment around the market feeling slow, but it reinforces what I am seeing again and again. When the right home comes to market, buyers are absolutely ready to engage. They may be cautious, but they are paying attention, and they are prepared to act when something aligns.

I'm Watching Performance of My Next Homes Going on Market

As we move further into spring, I am watching closely how upcoming listings perform. Bringing additional homes to market, including a single-family home on Vera Avenue in Redwood City and a townhome on Lark Lane in Foster City, will offer valuable insight.

Each home is different, and each micro market responds in its own way. Comparing how buyers engage with these properties, how quickly offers materialize, and what pricing strategies resonate will help clarify where momentum is building and where it remains measured. This is how we truly understand the market, not through headlines, but through real results, week by week.

Why There Is Still a Lot to Love

Even in a slower cycle, there are real advantages for both buyers and sellers.

For buyers, i f you are a buyer in this market, preparation is your advantage.

Have your financing fully reviewed. Know your comfort range, not just your maximum approval.
Know the neighborhood level pricing, not just citywide averages.
Be patient, but you have to be ready. Inventory is tight in the most desirable areas, the right home may appear suddenly, along with a dozen other buyers. When it does, you want to be in a position to act decisively and confidently.

Do not assume that slow headlines mean no competition. The best homes are still competitive.

For sellers, i f you are considering selling, focus on positioning and presentation. In a selective market, details matter more.

Pricing must be grounded in current comparable sales.
Condition and staging matter.
Marketing reach matters.

Also, the time of the season means you have time to plan. Not every seller should rush to list first in early spring. For some homes and some financial situations, a different window of time may produce a better result. My role is to help you evaluate that honestly.

Steady Does Not Mean Stalled

This season’s market is steady, cautious, and selective. It is not loud, but it is alive. People are still making moves, just with more care and more intention.

Even though the market is slow, there is still a lot to love: thoughtful buyers, prepared sellers, and opportunities that reward strategy over speed.

The best time to start your strategy was yesterday. The next best time is today.

If you are thinking about buying or selling a Bay Area home this year, reach out. Let us build a plan based on your goals, your numbers, and today’s real market conditions.

Success Starts with a Clear Strategy.

Contact me for a private consultation to evaluate your goals with honesty and build a strategic plan that truly serves your future.

January 2026 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo County Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo City Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

San Mateo County Market Update January 2026

Tue, 06 Jan 2026 12:52:50 GMT

Setting Real Estate Goals for 2026: Stability, Strategy, and Smart Decisions

As we begin a new year, I always encourage my clients to pause before rushing into big real estate decisions. January is not about reacting, it is about planning. And when I look ahead to 2026, one word defines what I see coming: stability.

Despite all the headlines and speculation, I do not expect 2026 to be a dramatic departure from 2025. This will not be a boom year, and it is unlikely to be a bust. Instead, we are heading into a market that rewards clarity, preparation, and realistic goal-setting. Buyers and sellers who succeed this year will be the ones who act strategically, not emotionally.

My 2026 Market Predictions

First, let us address the question I am asked most often: interest rates.

Yes, there may be modest rate cuts in 2026. However, many of the reductions people are hoping for have already been priced in by lenders. Banks have adjusted in anticipation of rate changes, which means we would need additional or unexpected economic action to see meaningful drops. Buyers should not sit on the sidelines waiting for a dramatic shift, because that shift may never come.

Beyond rates, the broader economic picture matters just as much. Job security remains a concern across many industries, especially in the Bay Area. Consumer confidence is still relatively low, and that uncertainty influences how people approach major financial decisions like buying or selling a home.

What does this mean for real estate? It means a steady market with selective activity. Well-qualified buyers will move forward when the numbers make sense. Sellers who price and prepare correctly will succeed. Everyone else may wait.

Why Goal-Setting Matters More Than Timing

In a stable market, success comes from alignment, not urgency. Before making any move in 2026, you should be asking yourself a few foundational questions:

How does this decision support my long-term financial goals?
What does stability look like for my household over the next three to five years?
Am I making this move because it makes sense, or because I feel pressure to act?

Some of the most impactful guidance I provide does not result in a transaction right away. In many cases, I advise clients to stay put, build equity, improve their financial position, or simply wait for a better window. Real estate should support your life, not complicate it.

When Buying or Selling May Not Be the Right Move

There are very real situations where buying or selling in 2026 may not be the best decision.

For buyers, this could mean finances that are not yet where they need to be, income that feels uncertain, or goals that would be better served by waiting another year. Buying a home is not just about qualifying for a loan, it is about feeling secure in your ability to sustain the investment.

For sellers, timing matters just as much. If you have not owned your home long enough to build sufficient equity, or if your specific property type is facing softer demand, selling now may not maximize your return. Sometimes the smartest move is preparation, not action.

A Recent Seller Conversation That Ended With “Not Yet”

A couple who purchased their home just two years ago recently contacted me about selling. This surprised me, as I often advise clients to plan on staying in their homes for five to seven years, and in some cases even longer. They told me they wanted to move to a more affluent neighborhood.

The husband believed their current home was now worth two million dollars based on online valuation tools. They expected to find a three-bedroom, two-bathroom home in their target neighborhoods for around two and a half million dollars. As I always do, I took their goals seriously and ran the numbers.

Using local comparable sales, I showed them that their home was more realistically valued around one point eight million dollars. We then looked at inventory in the neighborhoods they were targeting and quickly saw that homes meeting their criteria were priced beyond their reach, especially since they needed the proceeds from their sale to fund a down payment.

When I asked why they felt such urgency to move, the husband admitted that many of his colleagues lived in those neighborhoods and he wanted to be there as well. After reviewing the financial reality, I told them honestly that I did not believe selling right now was a good idea. They agreed, and ultimately decided to stay in their current home for at least a few more years.

They appreciated the candor. I am not here to sell or buy your house; I am here to be your resource in strategic planning. Sometimes no deal is the best deal, at least for now.

A Buyer Decision That Protected Long-Term Financial Health

In another recent case, I had buyers who fell in love with a property and were eager to move forward. Once we reviewed the disclosures, however, we discovered that the home required approximately seventy-five thousand dollars in foundation repairs.

My clients suggested requesting a price reduction in that amount. I then asked a critical question: did they have the seventy-five thousand dollars available to complete the repairs? They admitted they did not. I explained that banks do not loan forward on known repair issues like this, and in many cases will not even approve a mortgage if they are aware of significant structural problems.

I also shared that ignoring foundation issues can lead to much more costly damage within a short period of time. Purchasing a home with substantial structural concerns, without the assets to address them immediately, can quickly become a financial burden.

I advised them to be patient. They decided to wait for a property in better condition and, in the meantime, focus on strengthening their reserves so they can act confidently when the right opportunity comes along.

Why Experience and Honesty Matter More Than Ever

When clients tell me why working with me made a difference, a few themes come up consistently.

First, they value honest advice. I do not push people to buy or sell if it does not align with their goals. My role is to protect your interests, even when that means saying “not yet.”

Second, they appreciate strategic planning. Whether we are preparing a home for sale months in advance or helping a buyer position themselves competitively without overextending,
every decision is intentional.

Third, they trust my ability to navigate uncertainty. Stable markets require more nuance, not less. Pricing, negotiation, and timing all matter more when conditions are not clearly favoring one side.

When I look back on the clients I have helped throughout the year, I am just as proud of the decisions not to move forward as I am of the homes bought and sold. Sometimes helping means advising clients not to buy or sell, and that guidance can be just as valuable.

Advice for Buyers in 2026

If buying is one of your goals this year, focus on readiness, not predictions. Understand your numbers clearly, including what monthly payments look like under current rates. Be flexible on timing, but decisive when the right opportunity appears. The best homes will still attract competition, even in a stable market.

Advice for Sellers in 2026

If selling is on your radar, start with a strategy conversation. Preparation will be your biggest advantage. Homes that are thoughtfully positioned, priced correctly, and marketed professionally will stand out. Those that are rushed or misaligned with buyer expectations will struggle.

A Thoughtful Start to the Year

2026 is not about chasing the market. It is about making confident, informed decisions that align with your life and financial goals. Stability can be a gift if you know how to work within it.

The best time to start your strategy was yesterday. The next best time is today.

If you are thinking about buying, selling, or simply want clarity on whether a move makes sense this year, I am here to help you evaluate your options with honesty and care. Let us build a plan that truly serves you.

Success in 2026 Starts with a Clear Strategy.

Contact me for a private consultation to evaluate your goals with honesty and build a strategic plan that truly serves your future.

A Sweet Tradition: Our Annual Pie Day

Thu, 11 Dec 2025 00:53:11 GMT

Every year as Thanksgiving approaches, there is one special day I look forward to more than almost anything else: our Annual Pie Day. It is a simple tradition, but one that fills our home and my heart with so much warmth. Throughout the afternoon, clients stop by to pick up a pie, share a cup of tea or a glass of wine, and catch up as another year comes to a close.

Pie Day is my way of saying thank you. Many of my clients return to me for multiple purchases and sales, and many more refer the people they care about most, including their friends, family, and colleagues. That trust is the foundation of my business, and I never take it for granted. Offering a pie is a small gesture, bu t it comes with a great deal of gratitude.

One of my favorite parts of this tradition is hearing what happens to the pies once they leave my doorstep. Some clients tell me their pie became the star of their Thanksgiving table and earned rave reviews from loved ones. Others proudly admit that they hide their pie from their kids so they can enjoy it quietly on their own. However you choose to enjoy it, the joy it brings is exactly why this tradition means so much to me.

Hosting Pie Day at our home makes it even more meaningful. We love filling our space with conversation, laughter, and the energy of familiar faces drifting in and out. As we move into the holiday season, there is something magical about hearing the doorbell ring again and again, greeting old friends, and watching the house come alive. It is the perfect way to begin the holidays: warm, connected, and full of sweetness.

Thank you to everyone who stopped by this year, and to those who could not make it but continue to trust me with your real estate needs. I am grateful for every one of you, and I am already looking forward to doing it all again next year.

If you would like to see photos from this year’s Pie Day, you can browse and download them below :

San Mateo County Market Update December 2025

Mon, 08 Dec 2025 03:54:58 GMT

What makes working with Rumana successful...

This year brought headwinds and opportunities in Foster City, San Mateo, and Redwood City. My clients succeeded because we paired strategy and detail with uncompromising advocacy (no dual agency) and tenacious negotiation. The result: smoother escrows, stronger prices, and fewer surprises.

Results at a glance

Sellers : consistent multiple offers, off‑market success, and above‑list outcomes
Buyers : first or second offer wins, smart contingencies, and patient, data‑driven negotiation
Always : no dual agency, undivided loyalty, cleaner negotiations

For Sellers: Maximize Price, Minimize Risk

Strategic, tenacious negotiation

1361 Ribbon St, Foster City. Off‑market, sold as is. By reading buyer motivation and holding firm through multiple rounds, we pushed a single offer well above the seller’s target and secured the terms we wanted.

Qualified buyers only and no dual agency

2627 Ohio Ave, Redwood City. Our launch strategy generated seven offers, all at or over list price. Because every buyer had their own agent, I negotiated solely for my seller and delivered a price beyond expectations.

No surprises through proactive prep

675 Edna Way, San Mateo. As‑is trust sale. We ordered pre‑listing inspections and prepared thorough disclosures. Buyers felt confident writing strong, non‑contingent offers. Result: 11 offers and a sale price far above projections, with reduced legal risk.

Marketing that moves the needle

2929 Monterey St, San Mateo. Full‑funnel marketing drove hundreds of qualified visitors. Multiple over‑ask offers followed, and we negotiated the top one higher.

Transparent communication, even with higher days on market

1102 Burke Ln, Foster City. Townhomes and condos can require patience. With continuous feedback from every showing, we turned a single offer below ask into a final price above list.

Win the Right Home at the Right Price

Diligence that protects you

370 Bramble Ct, Foster City. The seller had a contractor bid but no formal foundation report. We added a foundation inspection contingency so my clients understood scope and cost before committing.

Reputation that opens doors

200 Loon Ct and 384 Sunfish Ct, Foster City. Even without the initial highest bid, listing agents invited us to improve privately, which gave my clients the edge to win over other potential buyers.

Uncompromised loyalty and persistent communication

370 Bramble Ct, Foster City. After multiple offers fell through, we stayed patient and kept steady follow up with the listing agent. When seller motivation shifted, we moved quickly and secured the home at a significantly reduced price.

Efficient wins, faster equity

112 Avellino Way, Mountain View. Client went into contract on the first offer. All five key buyers this year succeeded within their first or second attempts. They spent more time building equity and less time chasing the market.

Value through smart timing and price

714 Comet Dr, Foster City. Long days on market allowed a strategically low initial offer. We still closed at a standout value. A comparable floor plan nearby sold for about 200,000 dollars more.

Looking Ahead

The success stories of 2025 are not accidents; they are the result of deliberate planning, experienced navigation, and unwavering advocacy. Whether you are aiming to achieve a top-tier sales price or secure the perfect home in a competitive environment, your strategy starts now.

In real estate, timing and precision are everything. As I always say: “The best time to start your strategy was yesterday. The next best time is today.”

Don't wait to turn your real estate goals into reality. Let's build your success blueprint together.

Contact me today for a private consultation to discuss your 2026 buying or selling strategy.

November 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo County Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo City Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Working with Rumana Jabeen: Real Clients Share Their Stories

Tue, 11 Nov 2025 04:48:19 GMT

When you work with a real estate agent, you’re not just hiring someone to manage paperwork or schedule showings. You’re trusting them to guide you through one of life’s biggest transitions. For clients of Rumana Jabeen , that trust goes far beyond the transaction.

In this short video, filmed at Rumana’s Annual Client Appreciation Picnic, long-time clients share what it’s really like to work with her and how she leads with clarity, protects their interests, and continues to show up long after the sale is done.

Why Rumana's Clients Enjoyed working with herA Reputation Built on Results and Relationships

Some clients featured in this video worked with Rumana recently. Others have been buying and selling homes with her for nearly two decades, and still turn to her today. What they share in common is a deep confidence in her ability to guide them through complicated, high-stakes decisions with experience, honesty, and focus.

One client put it this way: “The buying or selling may seem like a transaction, but it really is not. It’s about relationships, and Rumana gets that.”

Trusted Advice, Every Step of the Way

First-time buyers describe feeling overwhelmed at the start. Sellers on how Rumana’s advice is not only helpful, it’s spot on. What made the difference was Rumana’s ability to simplify the process, help them focus on what mattered, and advocate fiercely on their behalf.

“She says what she’s going to do—and then she does it. That’s rare.”

The Client Experience

For many, Rumana's more than a real estate agent. She’s a trusted advisor, a community connector, and in many cases, a friend.

“Not only is she there for you as a business person, we’ve become really good friends.”

If you’re looking for a real estate agent in San Mateo, Foster City, or the surrounding Bay Area who combines deep market knowledge with direct communication and lasting care, this video is a great place to start.

�� Call or text Rumana to schedule a confidential, no-pressure conversation: (650) 743-4503

San Mateo County Market Update November 2025

Mon, 03 Nov 2025 11:54:48 GMT

The Buyers Are Back, and They’re Ready to Close Before Year-End: The Market Shift We’ve Been Waiting For

For months, I have been saying this shift was coming. Back in the spring, we saw the first signs of movement: open houses were busy again, showing requests were rising, and buyers were talking to lenders. But many of those buyers were not quite ready to act. They were exploring, learning, and waiting for the right moment. That moment is now.

The Surge We Anticipated Has Arrived

The pattern we predicted in the spring is playing out almost exactly as expected. Buyers who were out early in the year getting pre-approved and studying the market have now returned with purpose. They are financially ready, emotionally committed, and determined to secure a home before the end of the year.

We are also seeing an important factor that was missing earlier in 2025: improved affordability. Interest rates have been trending down, which gives buyers renewed confidence. Even a small reduction in rates can make a major difference in purchasing power, especially in Bay Area markets where every fraction of a percent counts.

This combination of serious buyers and improving conditions has created a noticeable surge in activity. Open houses that once drew a handful of visitors are now welcoming steady traffic. Listings that might have lingered in summer are going pending after the first weekend. Multiple-offer situations have returned, and well-presented homes are achieving strong results.

Real Examples of Momentum Returning

We are seeing the results firsthand across San Mateo County.

2929 Monterey Street, San Mateo sold 25 percent over asking after just one weekend of jam-packed open houses and a preemptive offer.
675 Edna Way, San Mateo drew 11 offers and sold well above asking after strong buyer activity.
2627 Ohio Avenue, Redwood City , is now pending after welcoming over 100 groups during its first weekend, reflecting incredible buyer interest.

These examples reflect the energy we have been waiting for. The buyers making offers right now are not casual browsers; they are decisive and qualified. One couple I recently worked with had been searching since April. They took the time to understand pricing trends, follow interest rate changes, and refine their priorities. When the right home appeared, they moved immediately. Because they were prepared, they were able to make a compelling offer and secure their new home ahead of competing buyers.

Why This Market Feels Different

Momentum is everything in real estate , and right now, momentum favors those who are ready. Sellers who list strategically in late fall benefit from two powerful forces: reduced competition from other listings and concentrated demand from buyers determined to close before year-end.

Many sellers assume that the holidays are a quiet time, but the truth is that serious buyers never stop searching. The casual crowd may step back during November and December, but motivated buyers are out in full force. They want to move before the next rate change, take advantage of current loan approvals, and begin the new year in a new home.

At the same time, inventory remains relatively tight across San Mateo County, which gives well-prepared sellers a meaningful advantage. Homes that are priced correctly, staged effectively, and marketed with precision are drawing strong attention.

Four Lessons From This Shift

Preparation Wins: The buyers winning right now are the ones who took time to study the market earlier this year. They understand value and can act with confidence.
Timing Matters: Waiting for “the perfect time” often means missing it. The best window is when serious buyers and lower rates align, and that is happening now.
Presentation Pays: Sellers who invest in presentation—staging, photography, and repairs—create urgency among buyers. The result is stronger offers and smoother escrows.
Experience Counts: Markets in transition require expert guidance. Whether it is interpreting shifting comps or managing multiple offers, experience makes the difference between good outcomes and great ones.

Advice for Sellers

For sellers, this is the moment to leverage buyer urgency. While the number of active listings is slightly lower, the quality of buyers has improved dramatically. These are serious, financially capable buyers who are ready to close quickly.

If your home has been on the market without results, it may be time for a strategic refresh: adjust pricing, update marketing, or reintroduce it with a stronger presentation. I can help you analyze what today’s buyers are responding to and ensure your home stands out in this market.

For homeowners considering a sale in early 2026, now is also the time to begin preparing. We can review your property, discuss updates that deliver the best return, and schedule photography to capture your home at its best.

Advice for Buyers

If you are planning to buy, treat this as your call to action. Get pre-approved, review your budget under current rate conditions, and be ready to write a strong offer when the right home appears.

There is still competition, but many buyers have stepped back, assuming the holidays are not a good time to purchase. That assumption can work to your advantage.

Focus on long-term value rather than short-term timing. If you find a home that fits your needs and finances, do not wait until spring when competition is likely to intensify again.

Looking Ahead

We have been waiting for this moment, the point when preparation, motivation, and market conditions align. That time has arrived. The buyers are back, the energy is real, and opportunities are here for those who are ready to act.

The best time to start your strategy was yesterday. The next best time is today.

If you are ready to make your move, contact me to create your plan. I would be honored to help you succeed in this next chapter.

Curious what that means for your next move?

Call Rumana for your complimentary market snapshot — before the holiday lull sets in.

A Favorite Tradition: Our Annual Client Appreciation Picnic

Mon, 20 Oct 2025 04:33:18 GMT

Every summer, I look forward to one special day in October: our Annual Client Appreciation Picnic. It’s a day to reconnect with the amazing clients and their families I’ve worked with over the years. It’s also one way I say thank you for their continued trust and support.

My clients often work with me through multiple purchases and sales, and they refer the people who matter most to them, their friends, family, and colleagues. That kind of trust means everything to me. This picnic is a small but heartfelt way to show my appreciation.

As with every year, we gathered at a picnic shelter at Beresford Park in San Mateo. We plan this event in October because it’s often one of the most beautiful months of the year. The weather tends to be warm and the skies are clear, which helps create the perfect setting for the day.

It takes weeks of preparation and coordination to bring this event together. I want to thank my husband, Michael, who manages so much behind the scenes as my Director of Operations.

This year’s picnic was filled with fun and joy. Families shared a delicious lunch and dessert, kids bounced in the inflatable house and got their faces painted, and many lined up for henna tattoos. There were lawn games, giveaways, and plenty of time to relax and catch up. As always, the most meaningful moments came from the conversations—hearing how your lives have evolved, celebrating your milestones, and reconnecting with people I’m lucky to call clients and friends.

Toward the end of the afternoon, I had the joy of announcing the winner of our 2025 Referral Contest. The prize was a $1,000 Ritz-Carlton gift card to use at their convenience. I was thrilled to recognize someone who shared my name with others and helped new clients start their journeys.

Now, entries are officially open for the 2026 Referral Contest. If someone you know is thinking about buying or selling, and you connect them with me, you’ll be entered to win. It’s that simple. You refer because you trust me, and I want to reward that.

You can browse and download all the photos from the event here:
�� View and Download Picnic Photos

A heartfelt thank you to everyone who has sent a referral this year. Your support means the world to me. Any referrals made between now and the end of the year will count toward the 2026 contest. I’d be honored to help the people you care about most. Learn more about how to submit a referral here.

– Rumana

San Mateo County Market Update October 2025

Mon, 06 Oct 2025 18:38:51 GMT

The Power of Strategy in a Changing Market

Some weekends remind me why real estate is about more than pretty homes, offers, and contracts.

Recently, I found myself negotiating for my sellers on two very different homes. One home received an offer at asking price. The other drew two offers, both $100,000 or more below asking.

In today’s sliding real estate market, neither offer surprised me. Buyers are more selective, sellers are becoming more realistic, and every transaction has its own rhythm. My clients already nervous with the way the market had shifted were ready to accept the offers, but I saw an opportunity to do better for them. An opportunity that paid off.

This particular weekend was a great example of how a good real estate agent's role isn’t just to complete a sale—it’s to do so in a way that protects your clients’ interests and ensure they don’t leave money on the table so they can reach their goals.

A Market That Rewards Strategy

Right now, the Bay Area Real Estate Market, even in Foster City and San Mateo, are steady but cautious. Homes are selling, but buyers are taking their time. Some listings spark multiple offers; others linger despite good presentation and pricing.

We’re in what I call a market of strategy —one where small choices around timing, communication, and especially negotiation make big differences. In a market like this, these small choices matter more than ever.

Two Homes, Two Lessons

The first home received a full-price offer within days. It was clean and fair, and while my clients were open to accepting, I noticed signs that the buyer was more motivated than their agent let on. After a strategy discussion with my sellers, I opened a conversation with the buyer's agent and that discussion led to an improved offer and better financial outcomes for my sellers. They were elated.

The second home was tougher. Two offers, both were around $100,000 under asking. My clients were discouraged and ready to accept one to move on. But I believed the home’s true value hadn’t been fully communicated. I reached out to both buyer agents, shared key market data, and highlighted the home’s advantages. Within days, one buyer raised their offer significantly, and the property went under contract near list price.

That weekend reminded me that strategy isn’t about pushing—it’s about reading the situation and staying engaged. Everyone views opportunities in different ways, and for some agents in a tricky market, accepting the offers would have been opportunity enough.

Why Negotiation Matters, Again

During the boom years, negotiation often felt secondary. The extreme demand in the market would naturally bring in a decent offer on a home that was well positioned. Now, as conditions balance, negotiation once again defines success.

Here’s what I’m seeing:

Buyers are cautious, but not absent . They want reassurance, not pressure. They also have more options.
Sellers are motivated, but measured. They expect their agents to protect their value. Many purchased at the height of a market or need this sell to position them for their next phase of life.

Trust and timing drive results. The agent who communicates clearly creates confidence on both sides.

Negotiation isn’t confrontation . It’s connecting all parties on their goals, and helping both sides to see value clearly and move forward with confidence.

My Approach to Maximize Strategy

Every negotiation is different, but I rely on three core principles:

Insight Creates Leverage - I study market data, trends, and every individual buyer's motivation. Knowing the “why” behind an offer shapes how I respond.
Communication Builds Trust - Real conversations with phone calls, not just messages, build understanding and uncovers opportunity.
Calm Creates Confidence - Negotiation can be emotional. My role is to keep the process steady so my clients make decisions from clarity, not stress.

Advice for Sellers

If you’re selling right now, remember: the first offer is just the start.

Even lower offers can become stronger through the right discussion.

Timing, tone, and presentation all affect leverage.

A strategic, experienced agent can help you close confidently, not hastily.

Advice for Buyers

If you’re buying in the Bay Area, you have more flexibility than before—but strategy still matters.

Be pre-approved and ready to act.

Communicate clearly and professionally.

Work with an agent who understands seller motivation and market psychology.

Strong offers aren’t always the highest—they’re the best positioned.

The best time to start your strategy was yesterday. The next best time is today.

Let’s talk about how to position you for success—whether you’re buying or selling in today’s Bay Area market.

San Mateo County Market Update September 2025

Wed, 10 Sep 2025 23:02:30 GMT

The Art of Negotiation in a Sliding Market

The market today is not what we’d call “normal,” with everything humming along as expected. It’s also not quite a “shifting” market, where the balance clearly tilts from sellers to buyers or vice versa. What we’re experiencing now is what I would describe as a sliding market.

Homes are still selling, but the process is less predictable. A property can check all the right boxes and still sit on the market longer than expected. Buyers can appear ready to move forward, then suddenly step back. Deals that used to come together smoothly now require more effort, more patience, and much stronger negotiation to reach the finish line.

This doesn’t mean the outlook is negative. There are still plenty of opportunities for both buyers and sellers. It does mean that experience, communication, and strategy matter more than ever. In this environment, negotiation isn’t just about making sure you don’t leave money on the table. It’s about keeping everyone at the table, moving together toward a successful close.

That’s why I see negotiation not just as a skill, but as both an art and a responsibility to my clients.

A Real Story from Foster City

Not long ago, I watched a surprising situation unfold in one of Foster City’s most desirable neighborhoods. The home had everything going for it: a prime location, excellent condition, and smart pricing. On offer day, four buyers submitted offers—an ideal scenario for any seller. Then the listing agent sent every buyer a multiple party counter, but without any communication with the buyers.

So instead of going pending, every single buyer walked away.

Why? Poor communication. The listing agent was known for relying only on delayed texts and emails, with no real dialogue. There were no phone calls to explain counters, no meaningful conversations to understand the buyers’ goals, and no bridge to connect the seller’s expectations with the buyers’ willingness to move forward.

The result? Frustration from the buyers who had been ready to make a deal, and not one but four lost opportunities for the sellers with home that should have sold quickly that was left sitting on the market.

This is exactly why I treat negotiation as an art, it is more than presenting offers and sending blanket counters—it’s about creating connection and momentum that carry everyone to the closing table.

How I Approach Negotiation: My Three Pillars of Negotiation

When I negotiate, I don’t just think about numbers. I think about people and their motivations. Every buyer and seller comes to the table with their own motivations, fears, and goals. My job is to understand them, communicate clearly, and align everyone toward a win-win outcome.

Here’s how I do that:

1. Motivation

Every party has a reason for being at the table. I make it a priority to learn not only my client’s goals, but the other side’s as well. Is a buyer stretching to get into a particular school district? Is a seller relocating and needing a fast close? When I know the “why” behind each decision, I can help structure terms that make both sides feel like they’re moving closer to success.

2. Communication

Deals collapse without it. I don’t just email a counter and hope for the best. I pick up the phone. I explain the reasoning behind terms, I listen to the other side’s perspective, and I look for ways to build common ground. Real-time conversations build trust and prevent misunderstandings that can derail a transaction.

3. Alignment

Even when motivations differ, everyone shares one ultimate goal: closing. My role is to keep everyone focused on that outcome. That means addressing concerns quickly, managing expectations, and making sure all parties feel progress is being made. Alignment is what transforms competing interests into a successful agreement.

Why It Matters Right Now

In a humming market, it may seem as though homes practically sell themselves. In a shifting market, your strategy makes the difference. But in today’s sliding market, the ability to negotiate effectively can mean the difference between a deal that closes and one that collapses.

For sellers, this means having an agent who can advocate strongly while keeping buyers engaged—even when the market feels uncertain. For buyers, it means working with someone who can build trust on the seller’s side and make sure your offer isn’t just noticed, but taken seriously.

Either way, negotiation is the skill that protects your opportunity in this environment.

My Advice?
Don’t leave money on the table—and don’t risk losing the table altogether. You deserve someone who treats it as both art and responsibility.

Want to know how to win in today’s market?

Call me today, and let’s talk about how my direct approach to negotiation can help you succeed.

August 2025 Market Report

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo County Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo City Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update August 2025

Fri, 08 Aug 2025 23:45:45 GMT

Back-to-School, Back-to-Business

Education has always been at the heart of my story. I came to this country to earn my master’s degree, believing that learning could open the door to a better life. It did. That same drive to learn is what fuels my work today. I believe in educating my clients so they can make smart, confident decisions about buying or selling a home.

In both education and real estate, timing matters. Just like you wouldn’t show up halfway through a semester and expect to ace the final, you can’t step into the market without a plan and expect to get the best result.

The Back-to-School Market Shift

Every August, priorities shift. Families are busy with meet-the-teacher nights, sports sign-ups, and new routines. For two to three weeks, real estate isn’t top of mind for many households.

For sellers , this is the time to prepare quietly so you’re ready when demand rebounds.

For buyers , this means fewer people touring homes, less competition for you.

By the end of August and into early September—right after Labor Day—activity picks up fast. Buyers who’ve been waiting jump back in, and sellers who prepared early get the first wave of attention. Early September is often one of the most active times before the holiday slowdown.

Why Sellers Should Act Now

If you want to sell this fall, you should already be in prep mode. Use August to:

Make Repairs and Updates – Even small improvements like fresh paint, updated light fixtures, or landscaping can have a big impact on how buyers perceive your home.

Schedule Photography and Marketing – Professional photography takes time to arrange. Getting this done early means you’re ready to launch the moment you want to hit the market.

Strategize Your Launch Date – A well-timed listing can put you in front of the largest possible audience when buyer activity is peaking.

Starting early means you hit the ground running when demand is back, not scrambling to catch up.

Why Buyers Can Benefit from the Current Market

If you’ve been frustrated by bidding wars earlier this summer, this is the moment you’ve been waiting for. With fewer buyers actively shopping during the back-to-school period, you may find:

More Negotiating Power – Fewer offers mean sellers may be more flexible.

Time to Think – Tour homes without making snap decisions.

Access to Hidden Gems – Some August listings fly under the radar with fewer buyers watching

By getting pre-approved and ready to move, you can secure a home before competition heats back up.

My Advice? Don’t Wait.
The best time to start your strategy was yesterday.

The next best time is today.

It’s not a standstill—there are still motivated buyers and sellers right now. But if you want to take full advantage of the post–Labor Day market, start preparing today. Whether you’re selling into peak demand or buying while competition is low, I’ll give you the facts and the plan to help you win.

Want to know how to win in today’s market?

Let’s start your strategy now—so you’re ready when the fall market heats up.

July 2025 Market Report

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo County Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

San Mateo City Market Report. This report covers changes in median home sales prices, comparing year-over-year data for a single month.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years using rolling 3-month data.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update July 2025

Mon, 07 Jul 2025 20:25:06 GMT

The American Dream, Through My Eyes

Why Homeownership Still Matters: Personally and Financially

When I first dreamed of coming to America, it wasn’t for sunshine or status. It was for opportunity, the kind I’d read about in stories, where hard work and perseverance could shape a life of meaning. I came here for higher education, completed my master’s degree, and landed an internship that would eventually open doors to a full career. Over the years, I worked relentlessly toward something more permanent. That path led me to a green card, then to citizenship, and finally, to a place I never imagined I’d stand: calling this country home.

For me, there’s no greater symbol of that journey than owning a home.

More Than an Address

Homeownership, for many of us, represents a turning point. It’s not just about square footage or a mortgage, it’s about arrival. It’s the moment when the work, the sacrifice, and the hope all materialize into something you can touch, nurture, and share.

I still remember the joy of planting our first garden. Watching birds gather at the feeder. Listening to the quiet rustle of trees outside our bedroom window. These aren’t extravagant luxuries. They’re simple, daily reminders that I’m rooted here. That I’ve built something real.

I see this same pride in the clients I work with. Like the seller at Beach Park who loved how the view of the lake changed with the light and seasons. Or the homeowner near Laurelwood Park, whose yard felt like a private forest retreat—yet was just moments from shops and freeways. These aren’t just homes, they’re expressions of freedom, of comfort, of stability.

The Financial Power of Homeownership

While the emotional rewards of owning a home are deeply personal, the financial benefits are just as meaningful—and often overlooked.

1. Stability as an Investment

Unlike many other markets, real estate tends to hold its value over time. While there are always fluctuations, owning property is still one of the most reliable long-term investments. It builds equity while you live your life.

2. Appreciation Over Time

Especially in the Bay Area, we’ve seen steady increases in home values. That means your home isn’t just where you live—it’s a financial asset that grows with you.

3. Financial Advantages

From mortgage interest deductions to property tax benefits, homeownership opens the door to a range of tax advantages that help your money go further. You also now have a vehicle to leverage in other financial ways.

In short, when you own a home, you’re not just paying for today, you’re investing in tomorrow.

Homeownership Today: Still Worth It?

I know today’s market can feel uncertain. Prices are high, rates have shifted, and many people are wondering if it’s the right time to buy or sell. But I also know this: owning real estate has never just been about market timing. It’s about building wealth, creating security, and claiming space in a way that renting rarely allows.

Whether you're buying your first home or thinking about selling and reinvesting, the path to ownership is still one of the most powerful ways to shape your future.

My Story, and Yours

Every time I see the American flag, I think of the years it took to build a life here. The classrooms. The early mornings. The small apartment I started in. And now, the home I return to at the end of each day, where the garden blooms, and where my story continues.

My dream didn’t happen overnight, and neither does homeownership. With the right plan and the right guidance, it’s possible. And it’s absolutely worth it.

Let’s make those dream real.

If you’re thinking about your own next step—whether it’s buying, selling, or simply preparing for the future—I’d love to help you shape a strategy that honors both your goals and your dreams.

June 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year, comparing Q2 2024 vs Q2 2025.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year, comparing Q2 2024 vs Q2 2025.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update June 2025

Thu, 05 Jun 2025 18:06:18 GMT

What Does It Really Cost to Sell Your Home?

Selling a home is more than just putting a "For Sale" sign in the yard; it's about strategic preparation and smart investments. As a seasoned real estate professional, I've guided numerous clients through this intricate process, ensuring they make informed decisions that maximize their returns.

Understanding the Costs Involved in Selling Your Home

When preparing to sell, it's essential to recognize the various costs that can arise. These expenses can be broadly categorized into four main areas:

1. Pre-Sale Inspections

Opting for a pre-listing inspection can be a proactive move. These inspections, typically costing between $300 and $500, can uncover potential issues that might deter buyers or lead to price negotiations later on. Addressing these concerns upfront can streamline the selling process and instill confidence in potential buyers.

2. Home Refreshes

First impressions matter. Simple enhancements like fresh paint, landscaping, and minor repairs can significantly boost your home's curb appeal. For instance, neutral paint colors can make spaces appear larger and more inviting, appealing to a broader range of buyers.

3. Marketing Expenses

Effective marketing is crucial to attract potential buyers. This includes professional photography, virtual tours and a social media blitz. I will cover these costs for the seller. Staging also can make a home more appealing, with studies showing that staged homes often sell faster and at higher prices. I will recommend stagers that truly understand the current vibe that buyers are seeking. This has a huge ROI for sellers .

4. Renovations

While not every home requires extensive renovations, certain updates can offer a substantial return on investment. For example, minor kitchen remodels can recoup up to 80% of their costs. However, it's essential to evaluate which renovations are necessary and align with market expectations.

Real-Life Examples: Tailoring the Approach

Every home has a story—and a different path to market success. One of the most important parts of my job is helping sellers identify where to invest time, energy, and money… and where to hold back. Not every home needs the same preparation. The goal is always the same: to attract the right buyers, drive strong offers, and maximize returns. But how we get there? That’s where experience and strategy come in.

Let’s take a look at some recent homes we prepared for market, each with a unique plan.

1045 Grebe Street, Foster City

Located in the sought-after Bay Vista community, this townhouse had high ceilings and strong layout potential—but needed a full interior refresh to meet buyer expectations.

Our approach: A complete renovation from top to bottom—including new kitchen, bathrooms, lighting, and flooring. This full-scale effort was essential to transform the home into a modern, move-in-ready listing that stood out in the competitive Foster City market.

918 Beach Park Blvd #53, Foster City

This home featured luxurious, high-end bathroom upgrades with premium Italian stone and top-tier finishes—an investment of over $70,000.

Our approach: Our client leaned into the luxury angle with adding designer finishes and stunning bathroom upgrades. While the upgrades were undeniably beautiful, this experience reminded us how important it is to match improvements to buyer expectations—and timing.

Rule of Thumb: When preparing a home for sale, it’s wise to keep upgrade budgets to no more than 3–5% of the home’s total value per room. Over-investing in one area—especially right before listing—doesn’t always guarantee a higher sale price. Strategic, market-informed updates usually offer a stronger return.

1243 Homewood Avenue, San Mateo

Bright, spacious, and full of flexible living, this home offers comfort and charm in central Foster City.

Our approach: Just a light touch. We focused on a cleaning and repainting. This minimal prep preserved seller resources while highlighting the home’s natural appeal.

1394 Marlin Avenue, Foster City

A beautiful home that appeared market-ready—until inspections revealed critical repairs to major systems.

Our approach: Although we didn’t pursue cosmetic renovations, we worked swiftly with the sellers to address key repairs identified in inspections. These fixes weren’t about aesthetics—they were about mitigating buyer concerns, preserving the home’s perceived value, and preventing price erosion during negotiations. The result? Strong buyer confidence and an excellent ROI for the sellers.

Crafting a Strategy with Rumana

Navigating the home-selling process doesn’t have to be overwhelming—especially when you have a plan tailored to your specific property and goals.

When you work with me, we begin by identifying what your home truly needs to compete in today’s market. That might mean a light refresh, a deep renovation, or simply leveraging the features already in place. I help you make confident decisions about where to invest, where to save, and what will drive the strongest return.

And if you’re selling outside the Bay Area? We now offer a hassle-free, no-upfront-prep experience in extended markets —making it easier than ever to list your home without the stress of organizing painters, landscapers, or stagers. You focus on what’s next; we handle the rest.

Every home has potential—and I’m here to help you unlock it.

Let’s form a strategy that works for your timeline, your goals, and your peace of mind.

May 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update May 2025

Wed, 07 May 2025 11:11:15 GMT

Pocket Listings: Private Real Estate

Sales on the Rise

In today’s fast-moving and fiercely competitive real estate landscape, pocket listings —properties sold privately without being listed on the Multiple Listing Service (MLS)—are becoming increasingly common. These off-market deals offer a sense of exclusivity and discretion, which many sellers and buyers find appealing. However, with that exclusivity comes a wave of discussion around transparency, fairness, and access.

So, what exactly are pocket listings? And are they right for you? Let's discuss.

What Is a Pocket Listing?

A private, or pocket listing, refers to a home that’s for sale, but not publicly advertised on the MLS. Instead, it’s quietly shared within a small circle—often just within a brokerage or among a trusted network of agents. This strategy is commonly used for high-end, luxury, or where the seller values privacy above all else. By keeping the listing “in-pocket,” sellers can maintain discretion and control, avoiding the broad exposure that comes with a traditional MLS listing. However, this also means fewer eyes on the property—which can be a double-edged sword.

Why Do Sellers Choose Private Listings?

There are several compelling reasons why a seller might opt for a pocket listing:

Privacy : For celebrities, high-net-worth individuals, or anyone navigating a major life change, privacy is paramount. A private listing avoids public scrutiny.
Control : Sellers can vet who sees the home, limiting showings to serious, qualified buyers. This cuts down on disruptions and protects the seller’s time and energy.
Flexibility : Some sellers do not wish to move out of their home to sell, and want to take a little time to pack up after the home is sold.
Market Testing : Selling off-market allows for quiet testing of pricing and demand, without the pressure or permanence of a public listing.
Exclusivity : The sense of scarcity can actually enhance buyer interest —sometimes prompting stronger offers from motivated buyers.

That said, there are trade-offs. The most significant is reduced exposure , which can lead to fewer offers and, in some cases, a lower final sale price than what might have been possible with full-market competition.

What’s In It for Buyers?

While pocket listings are usually initiated by sellers, there are real benefits for buyers as well—especially those working with well-connected agents.

Less Competition : Since these homes aren’t available to the public, buyers can avoid bidding wars and inflated prices driven by mass interest.
Unique Inventory : Pocket listings often feature one-of-a-kind or rare properties not found elsewhere, giving buyers access to hidden gems.
Faster, More Flexible Closings : These transactions tend to move quickly. With motivated sellers and streamlined negotiations, deals often come together in less time than typical MLS-listed sales. Sometimes, this also means you have more opportunity to create more flexible terms that work better for both parties, without the stress of multiple others bidding.

However, there are drawbacks. With fewer public details, buyers must do more diligence , especially around inspections, disclosures, and comparable values.

Why Are Pocket Listings Controversial?

To maintain fairness and transparency in real estate, the National Association of Realtors (NAR) implemented the Clear Cooperation Policy in 2020. This policy requires that once a property is publicly marketed (via flyers, websites, or social media), it must be listed on the MLS within one business day. This rule aims to prevent exclusivity from becoming gatekeeping. It ensures that the broader buying public has access to new listings, not just a select few.

Still, the policy has its critics. Some argue that pocket listings can unintentionally limit access to underrepresented buyers and reinforce inequality. Others defend the practice, saying that in certain situations—such as sensitive sales or unique homes— the flexibility of off-market marketing is not only helpful, but necessary for some sellers.

My Approach to Off-Market Real Estate

Over the years, I’ve helped many clients navigate the delicate and strategic world of off-market sales. Whether representing a seller seeking discretion or a buyer looking for exclusive opportunities, I bring a deep understanding of how to make pocket listings work to your advantage.

For all sellers, I craft bespoke marketing strategies that may include marketing their home off-market to honor privacy while still attracting serious buyers. For buyers, my extensive network grants access to properties that many others never even know exist. Giving my buyer clients an upper hand. In every case, my focus remains the same: maximize value, protect my clients’ interests, and ensure the process feels seamless and respectful.

Is a Pocket Listing Right for You?

Pocket listings are not one-size-fits-all. They can be a smart solution for those who value privacy, speed, and control , but they also come with limitations in terms of reach and buyer access. If you're considering buying or selling and wondering whether an off-market approach is the right path, the best first step is to have a candid conversation with a knowledgeable real estate professional . Someone who understands the market—and the nuances of both traditional and pocket sales—can help guide your decision and develop a plan that aligns with your goals.

Whether you’re seeking discretion, exclusivity, or simply the best possible outcome, I’m here to help you navigate all your options with confidence.

April 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update April 2025

Tue, 01 Apr 2025 19:25:03 GMT

Spring Real Estate is Heating Up—Are You Ready?

Spring is always the busiest season in real estate, but this year is shaping up to be even more competitive. With buyers and sellers adjusting to where interest rates have settled and economic uncertainty driving more people toward real estate as a stable investment, we’re seeing heightened activity in the market. If you're planning to make a move, preparation will be key to navigating the increased competition.

Why This Spring Will Be Especially Active

Over the past year, interest rates have settled, and many buyers have adjusted their expectations. Rather than waiting for major shifts, people are ready to move forward. At the same time, with fluctuations in the stock market, real estate remains a stable and attractive investment. This means more buyers entering the market—and more competition for the best homes. Sellers will also have to compete for the attention of serious buyers, making preparation essential on both sides.

How Sellers Can Prepare

If you're planning to sell this spring, you want to stand out in a competitive market. Here’s how:

1. Declutter and Stage

A clean, well-presented home makes a lasting impression.

2. Boost Curb Appeal

First impressions matter. Fresh landscaping and exterior touch-ups can make all the difference.

3. Make Necessary Repairs

Small fixes can go a long way in making your home feel move-in ready.

4. Price It Right

Overpricing can lead to a stale listing. Work with a knowledgeable agent to set a competitive price.

5. Get Professional Marketing

High-quality photos, strong online presence and targeted outreach will attract serious buyers.

How Buyers Can Get Ahead

With competition heating up, buyers should be prepared to act fast and put their best offer forward. Here’s what to do:

1. Get Pre-Approved

A pre-approval letter shows sellers you’re serious and ready to go.

2. Know Your Must-Haves

Understanding your priorities will help you move quickly when the right home hits the market.

3. Understand how to review disclosures

In the Bay Area, most sellers provide disclosures. Understanding how to effectively review them and understand how to rank importance of what you find in there is a huge advantage.

4. Be Ready to Make a Strong Offer

In a competitive market, coming in with your best terms can make the difference.

5. Work with an Experienced Agent

A skilled agent can help you navigate negotiations and spot opportunities before others do.

Let's Make This Spring a Success

The key to winning in this fast-moving market is preparation. Whether you’re buying or selling, having the right strategy in place will help you stand out and achieve your real estate goals.

If you’re ready to make a move, now’s the time to start planning. Connect with me today and get expert guidance on making this spring market work in your favor.

March 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year, comparing Q1 2024 vs Q1 2025.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year, comparing Q1 2024 vs Q1 2025.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update March 2025

Thu, 13 Mar 2025 21:50:05 GMT

Super Commuters are not feeling so super anymore

The COVID-19 pandemic brought about unprecedented changes to our work and living arrangements. Many of us seized the opportunity to relocate to more spacious and affordable homes, often situated far from bustling city centers. However, as companies increasingly implement return-to-office policies, the allure of these distant residences diminishes in the face of grueling daily commutes. The term "super commuters" has emerged to describe individuals enduring extended travel times to their workplaces, a lifestyle that is becoming increasingly untenable.

The Return-to-Office Dilemma

During the pandemic, many Bay Area residents left the region’s high-cost urban hubs for more affordable locations, thinking remote work was here to stay. But as offices reopen, workers are facing the challenge of multi-hour commutes, congested highways, and the struggle of balancing work-life demands. The Bay Area’s traffic—already notorious—has become even more frustrating, making many reconsider their decision to move further out.

At the same time, housing trends have shifted again. Inventory remains low, and demand is rising, making it a competitive market for those looking to relocate closer to work. In some Bay Area suburbs, rent prices have skyrocketed—some by as much as 30% in a year—while home sales have also surged.

Thinking About Moving Back? Here’s How to Navigate the Market

If you’re rethinking your commute and considering moving closer to work, here are a few key steps to help guide your transition:

1. Assess Your Commute and Lifestyle Needs

How much time do you currently spend commuting? What would your ideal work-life balance look like? Consider not only distance but also access to public transportation, walkability, and overall quality of life.

2. Understand the Housing Market

The Bay Area’s real estate market remains competitive. Home prices fluctuate depending on location, and rental costs have been on the rise. Staying informed on market trends will help you set realistic expectations.

3. Financial Planning is Key

Moving back to a more central Bay Area location means facing higher home prices and living costs. Take time to crunch the numbers and explore financing options, whether you’re buying or renting.

4. Be Strategic About Your Move

If you’re selling, pricing and marketing your home correctly will be crucial in today’s market. If you’re buying, you’ll need a strong offer strategy to compete in desirable areas. Working with an experienced real estate professional can help you navigate the process effectively.

Ready to Make the Move?

The decision to relocate is never easy, especially in a fast-changing real estate landscape. Whether you’re looking to buy closer to the office, sell your current home, or explore your options, I can help you strategize your next move and find a place that works for your lifestyle.

Let’s talk about how to make your commute—and your home—work for you.

February 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update February 2025

Wed, 05 Feb 2025 20:45:43 GMT

The Key to Selling Your Home Quickly: Pricing It Right from the Start

Selling a home is an emotional and strategic process. It’s not just about putting a price on a piece of property—it’s about setting the right price to attract serious buyers and secure the best possible outcome. If a seller insists on listing their home at a price that doesn’t align with the current market, it can lead to disappointment. Overpricing can result in a home sitting on the market for too long, ultimately leading to price reductions and a weaker negotiating position.

The Reality of Today’s Market

Yes, home prices are still holding steady and even increasing in some cases. But let’s be real—we’re not in the same market we had before interest rates climbed. Buyers are more cautious, inventory levels are fluctuating, and homes that are priced too high from the start are sitting on the market longer than necessary. The longer a home sits, the more leverage buyers have to negotiate, and that’s not a position you want to be in.

Many sellers think that pricing high will leave room for negotiation, but in reality, it can drive buyers away entirely. With more options on the market, buyers are taking their time, and overpriced homes simply don't make the cut. Instead, a well-priced home will generate more interest, more showings, and potentially even multiple offers, leading to better terms for you as the seller.

Why Overpricing Can Backfire

When a home is overpriced, it risks being ignored by buyers who are actively searching within the right price range. They’ll compare your home to others that are correctly priced and may decide it’s not worth their time. Even worse, when a property lingers on the market without offers, buyers begin to assume something is wrong with it. You might think you’ll “test the market” with a higher price and adjust later, but that often leads to price reductions that make the home appear undesirable. First impressions matter, and the best offers come early in the listing process.

Buyers today have access to more information than ever before. They’re looking at comparable properties, market trends, and price reductions before making an offer. If your home is significantly higher than the competition, they’ll simply move on to a better-priced option. And once a home sits for too long, buyers assume there’s a reason it hasn’t sold—leading to lowball offers or no offers at all.

Finding the Sweet Spot

So, how do we get it right? By analyzing market data, recent sales, and current trends to set a price that reflects your home’s true value while attracting serious interest. The goal is to generate excitement and competition, leading to strong offers with better terms. A home priced correctly doesn’t just sell—it sells well.

A competitive price doesn’t mean underpricing—it means pricing in a way that drives demand. When buyers see a well-priced home, they act fast because they don’t want to miss out. The more interest your home generates, the better the offers you’ll receive. In some cases, multiple offers can even push the price higher than your original expectations.

Let’s Talk Strategy

If you’re thinking about selling, don’t let pricing be the thing that holds you back. Let’s work together to determine the right price so you can maximize your results from day one. Reach out today, and let’s get started!

January 2025 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update January 2025

Fri, 27 Dec 2024 22:23:58 GMT

2024 Year-End Success: Rumana’s Clients Celebrate Big Wins in Real Estate

As we close out 2024, I’m reflecting on the incredible journey this year has been for my clients. Whether selling or buying, their stories of success highlight the importance of expertise, strategy, and teamwork in real estate. This year, I’ve had the privilege of helping many individuals and families achieve their real estate goals—turning challenges into opportunities and dreams into reality.

Selling Success: Top Offers and Quick Closings

Selling in today’s market requires a tailored strategy to stand out, and I worked closely with my sellers to do just that. Here are a few highlights:

My client needed to sell quickly to move out-of-state and reunite with her family. With her timeline in mind, I focused on creating a standout listing. From preparing the home to attract competitive offers to pricing it strategically, we secured a sales price that exceeded expectations—119% of the asking price. The result not only provided financial peace of mind but also made her transition seamless and stress-free.

Sometimes, all it takes is one offer—and the right strategy. Listed at $1,748,000, this home generated a lot of interest, but only a single buyer brought an offer forward. Through my proven negotiation, we secured a final offer at $2,125,000—an incredible $500,000 above asking. For these sellers, the stakes were high: they needed the proceeds for their retirement. This sale not only achieved their financial goal but gave them the means to start their next chapter.

414 W Hillsdale Boulevard, San Mateo
4 Beds | 4 Baths | 2,470 SQFT | 7,590 LOT
Sold at $2,400,000 | Off-Market Sale

This property came to me after having previously been on the market without success. I immediately saw its potential and put my sign on the lawn even before the planned remodels were started. To my surprise, the sign attracted serious attention, and we received a strong offer before the home even officially came to market. This sale is a perfect example of how brand visibility and local expertise can turn a challenging situation into a winning result.

Buying Success: Finding Dream Homes

Helping buyers find the perfect home in a competitive market takes patience, market expertise, and strong relationships. Here's a few stories that highlights the difference these qualities can make:

371 Menhaden Court, Foster City
3 Beds | 2 Baths | 1,890 SQFT | 5,225 LOT

My buyers had been searching for a long time, looking for a specific type of home that met both their needs and their budget. When a property finally came on the market that matched their criteria, the competition was fierce. Fortunately, my reputation in the market made a difference—the listing agent wanted to work with me. Coupled with my knowledge of the area and strategic approach, I was able to secure the home for my clients, turning their dream into reality.

1111 Metcalf Road, San Jose
31,799 Lot SQFT

I first helped this client purchase his very first home, and when he was ready for his second real estate investment, he had a big vision: buying vacant land to build his dream home. After a thorough search, we found the perfect location. Using my negotiation skills, I was able to secure the land at a great price, under asking. My client was ecstatic and is already hard at work designing and building his masterpiece.

Reflecting on 2024

This year has been filled with incredible stories of success for both my sellers and buyers. From helping sellers achieve record-breaking results to guiding buyers to their dream homes, my commitment to my clients has always been to provide expert advice, personalized strategies, and unwavering support. Every transaction is unique, and I’m proud to have been a part of these life-changing moments for so many wonderful people in 2024.

If you’re thinking about buying or selling in the coming year, let’s work together to create your own success story. Whether it’s getting the best price for your property or finding the perfect place to call home, I’m here to help you navigate the market with confidence.

Connect with me today to get started on achieving your real estate goals in 2025!

December 2024 Market Reports

Below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update December 2024

Tue, 03 Dec 2024 21:42:11 GMT

Why Winter is the Perfect Time to Buy and Sell Property

When it comes to real estate, most people think of spring and summer as the peak seasons for buying and selling. It’s easy to see why—flowers are in bloom, the days are longer, and families often plan their moves around the school year. But let me share a little secret: winter is an underrated gem in the real estate market. In fact, it’s my favorite time to help my clients achieve their goals.

Winter may seem quieter, but it comes with distinct advantages for both buyers and sellers. From less competition to unique market dynamics, I’m here to show you why winter might just be the perfect season for you.

For Sellers: Stand Out in a Smaller Crowd

Selling in winter provides an incredible opportunity to shine. With fewer homes on the market, there’s less competition, and your property can stand out more easily. The buyers who are searching during this time are typically serious—they’re not just browsing, they’re ready to make decisions. Whether they’re relocating for work, aiming to meet year-end tax deadlines, or taking advantage of current interest rates, these buyers mean business.

In winter, you might see fewer showings, but the quality of prospects is often much higher. Plus, a well-maintained, cozy home can create an emotional connection that drives strong offers. Imagine welcoming buyers into a warm space with a crackling fireplace, soft lighting, and inviting scents. It’s a powerful way to make a lasting impression.

For Buyers: Escape the Frenzy

If you’ve ever tried to buy a home in the spring or summer, you know how chaotic it can be—bidding wars, rushed decisions, and stiff competition. In winter, the pace slows down, giving you breathing room to make thoughtful choices.

Winter also offers a unique advantage: you get to see homes in their “real” condition. Drafty windows, inadequate insulation, or drainage issues that might be hidden during sunny months are more apparent in colder weather. This gives you a better understanding of a home’s true value, helping you make more informed decisions.

On top of that, sellers listing their homes in winter are often motivated to close quickly. This can open the door to negotiating better prices, terms, or contingencies.

Why Winter Works: A Balanced Market

Winter strikes a rare balance in the real estate market. Sellers face less competition, and buyers enjoy a less frenzied pace. This dynamic creates a more level playing field where both sides can achieve their goals without the stress of peak-season intensity.

For sellers, this means fewer listings competing for attention and the chance to connect with motivated buyers who are ready to commit. For buyers, it means negotiating power and the ability to explore homes in a less rushed environment.

The Importance of Strategy

While winter offers many advantages, it’s still important to have a well-thought-out strategy. Sellers should focus on presenting their homes at their absolute best—whether that means adding extra curb appeal with festive decorations or ensuring the home feels warm and inviting during showings.

Buyers, on the other hand, should be prepared to act quickly when they find the right home. Although the market is less competitive, high-quality homes can still attract attention, so working with a knowledgeable agent is essential.

Conclusion: Make the Most of Winter

Winter is often overlooked as a prime season for real estate, but it holds incredible potential for both buyers and sellers. Fewer listings, serious participants, and the opportunity to see homes in their true light make it a uniquely strategic time to enter the market.

If you’ve been thinking about buying or selling, don’t wait for the spring rush. Let's connect today to learn how you can make the most of the winter season and turn your real estate goals into reality. Whether you’re looking to find your dream home or sell your property for top dollar, winter just might be the perfect time for success.

November 2024 Market Reports

If you receive our postcards, below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update November 2024

Wed, 06 Nov 2024 19:35:11 GMT

Demand Math: Why a Realtor's first-hand knowledge always knows the market best

While the national housing market is experiencing a significant slowdown, with just 2.5% of homes changing hands in the first eight months of 2024, the San Mateo County market presents a unique and more optimistic picture.

A National Perspective

The national housing market has been grappling with a toxic combination of record-high home prices and elevated mortgage rates, creating one of the most unaffordable housing markets in a generation. This has led to a dramatic decline in home sales and a significant increase in days on market.

A Local Perspective

In contrast, the San Mateo County housing market has shown remarkable resilience. Despite the national downturn, homes in the area continue to sell, often above asking price, and in relatively short periods.

A prime example of this is the recent sale of 768 Gull in Foster City. Listed on October 17th and pending on October 25th, this property attracted multiple offers within days. This swift transaction is a testament to the continued demand for well-priced, well-located properties in the area. Several factors contribute to the unique dynamics of the San Mateo County housing market including:

Strong Job Market: The region's robust tech industry and other thriving sectors attract high-earning professionals.

Desirable Lifestyle: A combination of stunning natural beauty, excellent schools, and a vibrant community.

Limited Inventory: A shortage of available homes, particularly in desirable neighborhoods.

While the market may slow down during certain seasons, particularly in the winter months, well-prepared sellers can still achieve success. By understanding the seasonal trends and adjusting their strategy accordingly, sellers can optimize their chances of a successful sale. A seasoned local agent can provide invaluable insights, helping sellers to maximize their property's potential and achieve optimal results.

The 768 Gull Success Story

The rapid transaction of 768 Gull can be attributed to several factors, including:

Prime Location : Proximity to schools, parks, and the Bay Trail

Ideal Size and Layout: A well-proportioned home with a functional floor plan

Abundant Natural Light: A sought-after feature

However, it wasn't just the property itself; it was the strategic approach to the listing. Rumana Jabeen's expertise in pricing, marketing, and negotiation played a crucial role in attracting qualified buyers and securing a swift sale.

With Rumana Jabeen, there's no such thing as a slow market. Her proven approach, the " Four Wells ," ensures that your home is:

Well-Priced: Data-driven insights to set the optimal listing price.

Well-Prepared: Professional staging and expert advice to enhance your home's appeal.

Well-Marketed: A comprehensive marketing strategy to attract qualified buyers.

Well-Presented : Stunning visuals and compelling narratives to captivate potential buyers.

By following these principles, Rumana has consistently achieved exceptional results for her clients, even in challenging market conditions.

Conclusion

While both the Bay Area and the national housing market are facing challenges, the San Mateo County market remains resilient. By understanding the local dynamics and leveraging the expertise of a skilled agent like Rumana Jabeen, sellers can continue to achieve success.

Don't let the national market slow down your home sale. Contact Rumana Jabeen today to take advantage of the strong San Mateo County market.

October 2024 Market Reports

If you receive our postcards, below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

Your Simple Referral =$1000

Wed, 02 Oct 2024 22:54:23 GMT

Your Simple Referral = A Chance to Win a $1,000 Ritz Carlton Gift Card!

At Rumana's Realty, we believe that great service is worth sharing. That’s why we’re excited to announce our referral program, open to everyone! If you know a neighbor, loved one, or colleague who is considering buying or selling a home, Rumana is here to help them navigate the process with expertise and care.

Why Refer Rumana?

Rumana is dedicated to providing exceptional service tailored to meet the unique needs of each client. Whether they’re first-time homebuyers, looking to sell their current property, or searching for a new investment opportunity, Rumana's extensive market knowledge and commitment to her clients ensure they receive the best guidance possible.

How to Refer Someone..

It’s easy to connect your friends and family with Rumana! Use the two buttons below to either:

Connect Someone Directly to Me (Preferred): Click the button below to send a referral directly to Rumana, and she’ll reach out to them personally.
Share My Contact Information: Use the 2nd button to share Rumana's contact details with someone who might be interested in her services.

By referring someone to Rumana, you’re helping them take the first step toward their real estate goals!

As a thank you for participating in our referral program, winners will receive a $1,000 Ritz Carlton gift card to use at their convenience. It’s our way of showing appreciation for helping your friends and family find their perfect homes!

Let’s Spread the Word!

We encourage you to think of anyone in your circle who might benefit from Rumana's expertise. By sharing this referral opportunity, you not only help those you care about but also contribute to a community of satisfied clients.

If you know someone ready to make a move in the real estate market, connect them with Rumana today! Together, we can make their home-buying or selling journey seamless and successful.

San Mateo County Market Update October2024

Wed, 02 Oct 2024 21:48:52 GMT

Can Falling Mortgage Rates Reignite Market Activity?

If you’ve been hesitant to list your house because you’re worried no one’s buying, or if you’re a buyer watching the market to understand the best time to buy, here’s your sign it may be time to talk with an agent. With falling mortgage rates bringing more buyers back into the market, now is the perfect opportunity for both sellers and buyers to make a move!

After months of high rates keeping buyers on the sidelines, things are starting to shift. Rates are already coming down due to a number of economic factors. The Federal Reserve cut the Federal Funds Rate for the first time since they began raising that rate in March 2022 . While they don’t control mortgage rates, this sets the stage for mortgage rates to fall even further than they already have. Lower mortgage rates are bringing more buyers back into the market. Lisa Sturtevant, Chief Economist at Bright MLS , says: “A drop in the cost of borrowing will help fuel more homebuyer demand . . . Falling rates will also bring more sellers into the market.”

The best part? You can take advantage of that renewed buyer interest.

As Rates Fall, Buyer Activity Goes Up

The graph below illustrates the relationship between falling mortgage rates and rising buyer activity. The orange line represents the average 30-year fixed mortgage rate, while the blue line shows the Mortgage Bankers Association (MBA) Mortgage Application Index, which tracks the number of mortgage applications.

As you can see, as mortgage rates (peach) come down, the Mortgage Application Index (red) rises, showing more people start to re-engage in the process (see graph below):

What This Means in General

According to the National Association of Realtors (NAR), home sales begun increasing in July, which was a welcome shift after four straight months of declines. If you’re a homeowner thinking about selling, this uptick in buyer activity works in your favor.

More buyers means more competition, which can lead to higher offers and shorter time on the market for your house. And, according to Edward Seiler, AVP of Housing Economics at the Mortgage Bankers Association (MBA), this trend is expected to continue: “MBA is expecting that slower home-price appreciation, coupled with lower rates, will ease affordability constraints and lead to increased activity in the housing market.”

All in all, the market is becoming more accessible to a wider range of buyers, which could result in even more people looking to purchase a house like yours. With more buyers entering the market, now’s the time to start getting your house ready to sell.

Bottom Line for Sellers

The recent decline in mortgage rates is already driving more buyers into the market, and experts project this trend will continue. Now is the perfect time to work with a great local real estate agent like Rumana, to get your home ready and to take advantage of increased buyer demand.

Bottom Line for Buyers

We have likely seen the bottom of the market, and while there may be a temporary lull in activity, it won’t last long—especially with rates dropping. Many buyers are currently holding back to see what lower rates they can secure. If you’re ready to act, this is an incredible opportunity for you to make your move!

To make the most of the current market and receive personalized advice on the best timing for your sale or purchase, connect with Rumana today. She can provide expert insights, help you navigate the market, and ensure you’re well-informed about the optimal time to make your move.

September 2024 Market Reports

If you receive our postcards, below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

San Mateo County Market Update September 2024

Fri, 06 Sep 2024 18:17:26 GMT

What Mortgage Rate Are You Waiting For?

You won’t find anyone who’s going to argue that mortgage rates have had a big impact on housing affordability over the past couple of years. There has been positive change though, and more hope is on the horizon. Rates have actually started to come down, and recently they hit the lowest point we’ve seen in 2024, according to Freddie Mac (see graph below). If you’re thinking about buying a home, that may leave you wondering: how much lower are they going to go? Here’s some information that can help you know what to expect and why you might not want to wait too long..

Many potential buyers are holding off on purchasing a home, anticipating that mortgage rates will drop even further. The common belief is that lower rates will make homes more affordable and provide better financing terms. This wait-and-see approach is based on the hope that a lower rate will save money over the life of the loan and make homeownership more attainable.

That wait-and-see approach might not be a good idea to save money

Market Conditions: While you might be waiting for lower rates, it's important to note that prices for condos and townhomes have already decreased possibly to the lowest point we've seen, however HOA fees have increased. This means that even though home prices are lower, the total cost of ownership could still rise. The prices of single-family homes have also been steadily increasing over the same time period.
Reaching the Bottom: We’ve likely seen the bottom of the market in terms of home prices. Waiting further might result in missing out on the current leverage for negotiating a good deal. As rates drop, competition is likely to increase, which could drive up home values and reduce your negotiating power.
Increased Competition: As rates decline, more buyers will enter the market. This increased demand could lead to higher home prices and a more competitive environment, making it harder to secure a favorable deal.
Opportunity Cost: By waiting for rates to drop further, you might miss out on other benefits of buying now, such as current market conditions, property availability, and negotiation opportunities. Additionally, you can always refinance later if rates drop significantly after your purchase, but delaying now might cost you more in terms of missed opportunities and higher competition.

If you’ve been holding off on buying a home because of higher mortgage rates, it’s essential to evaluate whether waiting is the best strategy for you. While a lower rate could be beneficial, the current market offers opportunities that you might miss if you wait too long. Prices have already adjusted, and increased competition could make future buying conditions more challenging.

To make the most of the current market and get personalized advice on the best timing for your purchase, connect with Rumana today. She can provide expert insights, help you navigate the market, and ensure you’re well-informed about the best time to make your move.

August 2024 Market Reports

If you receive our postcards, below you'll find market information for San Mateo County, San Mateo (City), and Foster City.

San Mateo County Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Market Mid Year Report. This data is from MLSListings for single-family homes in San Mateo County sold from January 2024 thru July 2024.

San Mateo County Market Report. This report covers changes in median home sales prices, year over year.

San Mateo City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Market Mid Year Report. This data is from MLS Listings for single-family homes in the City of San Mateo sold from January 2024 thru July 2024.

San Mateo City Market Report. This report covers changes in median home sales prices, year over year.

Foster City Equity Report. This report covers changes in median home sales prices over the last month, year, five years, and ten years.

Single Family Residences

Condominiums

Townhomes

Expanded San Mateo County Market Report

Adventures in Atlanta, Santa Barbara, and Beyond

Mon, 19 Aug 2024 15:28:36 GMT

From City Streets to Mountain Peaks: Adventures in Atlanta, Santa Barbara, and Beyond!

Our recent travels took us on a journey through three distinct landscapes—each offering its own unique experiences and memories. From the bustling streets of Atlanta to the serene beaches of Santa Barbara, and finally, to the rugged trails of the Sierra Nevada, it was a trip full of relaxation, exploration, and a few surprises along the way.

Atlanta, Georgia: Southern Hospitality and Old Friendships

Our adventure began with a quick 5-day trip to Atlanta, Georgia. The primary purpose of this visit was to check on a 7-unit apartment we recently purchased as an investment property. But the trip became about much more than just business.

It just so happens that Michael’s best friend since kindergarten, Dan, lives in Atlanta. Dan is someone I had referred to The Suits Team when he was in the market for a house, and they did an incredible job finding him exactly what he needed. We stayed at Dan’s place, and it was a perfect chance to reconnect and relax. The days were filled with casual hiking and shopping in the area, but the real highlight was introducing Dan to the card game Monopoly . This short and entertaining game quickly became a favorite—especially when paired with a few drinks.

Our travel to Atlanta came shortly after the massive CrowdStrike software glitch grounded countless planes across the country. Delta was still recovering from the chaos, and I can’t stress enough the importance of packing light and opting for carry-on luggage whenever possible.

Santa Barbara: Coastal Charm and Culinary Delights

After a few days in Atlanta, we took a scenic drive down to Santa Barbara for a nearly week-long stay. We checked into the charming Montecito Inn , and the week was filled with shopping, dining, and soaking in the coastal beauty.

One dining experience stood out above the rest, and it was almost by accident. While exploring the area, we stumbled upon a restaurant that had no name or signage. You could see people enjoying sushi inside, but there was nothing to indicate it was a restaurant. Curious, we inquired and discovered that it was a pop-up sushi spot, known as Scratch Sushi . They operate with a maximum of 10 patrons per seating, and we were fortunate enough to book a 9 PM spot.

The omakase experience was incredible. With each bite crafted specifically for us by the sushi chef, it was a culinary journey. The sakes paired perfectly with the dishes, and the old-fashioned made with fat-washed bourbon was one of the best drinks I’ve ever tasted. The intimate setting made it feel like a private event, and we savored every moment.

Another highlight was a leisurely lunch at Rancho San Ysidro’s Stonehouse . The share plates were delicious, and the stroll around the grounds afterward was just as enjoyable. The garden, bursting with roses and homegrown vegetables, added a special touch to the experience.

We also happened to visit during the 100th Anniversary Fiesta in Santa Barbara, which turned State Street into a vibrant celebration of food, music, and culture. Confetti-filled eggs, food carts, mariachi bands, and one of the largest equestrian parades in the country made for a festive atmosphere. Even though I don’t ride, I’ve always loved horses, and seeing them parade along Cabrillo Blvd was a treat.

Before heading home, we spent a couple of nights in Paso Robles. The drive was scenic, and we enjoyed a lovely lunch at Novo in San Luis Obispo . The shaded Mission Plaza, with its historic mission and creek running through, made for a peaceful and picturesque stop.

Camping at Ebbetts Pass: Seclusion and Strenuous Hikes

After a brief return home to catch up on business, we packed up again and headed for the mountains. This time, our destination was a secluded camping spot near Ebbetts Pass on Highway 4, about 40 miles from Markleeville. We chose a spot off the beaten path, alongside the North Fork Mokelumne River. The setting was perfect—quiet, remote, and surrounded by nature.

Our days were spent relaxing by the campfire, cooking, and hiking. One of the most challenging hikes took us along the Pacific Crest and Noble Canyon Trails, covering around 16 miles with an elevation gain of 1700-1800 feet. It was tough—especially the climb back up—but the views and sense of accomplishment made it worthwhile. And of course, we rewarded ourselves with a well-deserved ice cream cone at Alpine Lake afterward.

Back at camp, we ended the day with a steak dinner cooked on the grill. The weather was mostly cooperative, a blessing given how quickly it can change in the Sierras. After three nights in this peaceful retreat, we returned home, grateful for both the adventure and the perfect weather waiting for us in San Mateo.

Reflections on the Journey

Looking back, this trip was the perfect mix of city excitement, coastal relaxation, and mountain adventure. Each destination offered something special—from reconnecting with old friends in Atlanta to discovering hidden culinary gems in Santa Barbara and pushing our limits on the trails near Ebbetts Pass. It’s these diverse experiences that make travel so enriching, and I’m already looking forward to our next journey.

How about you? Do you prefer city adventures, coastal escapes, or mountain retreats?

San Mateo County Market Update August 2024

Mon, 05 Aug 2024 19:08:17 GMT

If you received our postcard, you may have noticed that the arrows indicating year-over-year changes from 2023 were accidentally omitted during the printing process. We regret any inconvenience this may have caused. Please refer to the versions below for year-over-year comparisons.

For a deeper dive into our mid-year market update, explore the expanded report below.

What Every Homeowner Should Know About Their Equity

Curious about selling your home? Understanding how much equity you have is the first step to unlocking what you can afford when you move. And since home prices rose so much over the past few years, most people have much more equity than they may realize.

Here’s a deeper look at what you need to know if you’re ready to cash in on your investment and put your equity toward your next home.

Home Equity: What Is It and How Much Do You Have?

Home equity is the difference between how much your house is worth and how much you still owe on your mortgage. For example, if your house is worth $400,000 and you only owe $200,000 on your mortgage, your equity would be $200,000.

Recent data from the Census and ATTOM shows Americans have significant equity right now. In fact, more than two out of three homeowners have either completely paid off their mortgages (shown in pink in the chart below) or have at least 50% equity in their homes (shown in red in the chart below)

Today, more homeowners are getting a larger return on their homeownership investments when they sell. And if you have that much equity, it can be a powerful force to fuel your next move.

What You Should Do Next?

If you’re thinking about selling your house, it’s important to know how much equity you have, as well as what that means for your home sale and your potential earnings. The best way to get a clear picture is to work with your agent, while also talking to a tax professional or financial advisor. A team of experts can help you understand your specific situation and guide you forward.

Home prices have gone up, which means your equity probably has too. Connect with Rumana so you can find out how much equity you have in your home and move forward confidently when you sell.

Mid Year Update

July 2024 Market Reports