Notes
Field notes & market dispatches.
Occasional writing from Jeffrey Hill on what’s moving in California and Oregon real estate, plus the odd note on financing, negotiation, and the curiosities of a 30-year practice.
May 20, 2026
Why That $20K 'Savings' From Rocket and Redfin Costs You More
A recent piece in Inman reported that Rocket Mortgage and Redfin are now offering homebuyers up to $20,000 in combined savings—lender credits plus commission r…
May 20, 2026
Can You Short Sale If You Have Multiple Liens?
A short sale multiple liens California is absolutely possible with up to eight liens if you're willing to negotiate hard for 60 to 90 days with every creditor.
May 20, 2026
Why Going to Your Bank for a Mortgage Is Often the Wrong Move
Banks charge retail rates on mortgages while brokers access wholesale pricing, and in California that gap can cost you tens of thousands over the life of your…
May 20, 2026
What a Short Sale Actually Is - and Why Most Agents Fail at Them
Most agents take a short sale listing, send the file in once, get a rejection, and walk. After thirty years and a closing ratio above 90%, here is what they get wrong.