	America Foy SF Real Estate Examiner \| Bio My Bio Subscribe RSS Feed Favorites

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America is a fifth-generation San Franciscan who grew up in Bernal Heights. He followed in the family tradition and was licensed as a real estate agent in 2003. America works with Villa Group Real Estate and Mortgage as a senior real estate associate specializing in mortgages. He believes an informed, educated client is a satisfied client and strives to simplify the real estate and loan processes. His motto: “There are no stupid questions.”

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SF Real Estate Examiner's Articles

Showing: basics articles

Real estate from the trenches: Investors vs first time homebuyers

Recently I have gone back to work selling real estate full time in the San Francisco Bay Area. The company The market in the East Bay, where my is...
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100% financing for veterans makes buying in the Bay Area dreams come true

Veterans guess what? By taking advantage of the VA’s loan guarantee program, you can now afford to buy a home in the Bay Area. Vets will have to...
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FHA loans make buying affordable again

FHA loans have been helping people to become homeowners since 1934. How do they do it? The Federal Housing Administration is a part of HUD. The FHA...
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Property assessment, taxes, and decline-in-value applications, oh my

1 comment

A property assessment is the way the local government determines how much property tax a property owner must pay. The assessment is normally made up...
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Reader questions

“Who pays commission when you buy a home? I don`t want to rush into anything so I was hoping you could give me some ideas as to what to...
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Now is the time to invest in real estate

Historically no investment outperforms real estate. The reason is real estate is as necessary as a haircut. It is a tangible, seen, useful investment...
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Who qualifies for a loan modification

Loan modifications are on most homeowner’s minds these days. There is a huge amount of information available on the net, and in the news about...
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Loan modification hardship letter

6 comments

The application process for a loan modification is very similar to applying for a mortgage with a couple of big differences. When applying to have a...
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Loan modification basics

5 comments

There have been a lot of comments and questions lately about loan modifications. When I first began to offer loan modifications to my clients, I...
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