Live In The Bay, 19400 Stevens Creek Boulevard, Cupertino, CA (2026)

08/25/2026

July’s Silicon Valley housing data tells two different stories.

For single-family homes, sales were mixed—declining modestly in Alameda and Santa Clara counties while rising in San Mateo. Yet median prices remained above last July in all three counties.

Inventory also remained constrained. Buyers continued to absorb the limited supply reaching the market, helping support median prices even where sales declined.

Condos told a different story: Sales rose across all three counties, while median prices and price per square foot fell. Median-price declines were most pronounced in Alameda and Santa Clara, suggesting affordability pressures may be weighing more heavily in those markets.

With more inventory and longer market times than single-family homes, condo buyers may also have more room to negotiate.

This was not a broad market reversal. Property type, price point and neighborhood matter more than the regional headline.

Click through the slides for the county-by-county numbers.

All percentage changes shown are year over year, comparing July 2026 with July 2025.

I’m Nancy Dinshaw, your Silicon Valley real estate advisor. Follow for local market insights, neighborhood guides, and practical tips for buying and selling in the Bay Area.
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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com
Source: California Association of REALTORS®, July 2026.

08/21/2026

OPEN HOUSE THIS WEEKEND | Saturday & Sunday, 1:30–4:30 PM

Send this to the person who wants quintessential California living — with all the upgrades.

1485 Sierra Creek Way has been completely reimagined, with foothill views, seamless indoor-outdoor living, a beautifully renovated kitchen, and multiple spaces designed for relaxing and entertaining.

Think mornings with the doors open, dinner beside a statement fireplace, and evenings out on the backyard deck.

4 BD | 2 BA | 1,574 SQ FT | Attached 2-car garage

For photos, property details, and more, visit 𝟭𝟰𝟴𝟱𝘀𝗶𝗲𝗿𝗿𝗮𝗰𝗿𝗲𝗲𝗸.𝗰𝗼𝗺.

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

08/18/2026

Silicon Valley really does have its own language. 😂

If you’ve ever “double-clicked” on a minor detail, optimized for learning when something didn’t work, or debated whether to take 101 or 280… you may be fluent.

Watch for the unofficial translations—then tell me: Which one do you say the most? And what did we miss?

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

08/14/2026

I'm excited to finally share this one. ✨

1485 Sierra Creek Way has been completely reimagined, and this transformation has turned out beautifully. From the custom kitchen and warm finishes to the indoor-outdoor flow and foothill views, it’s one of those homes I’ve been especially excited to see come together.

Before it officially hits the market, I’m opening the doors for a special Neighborhood Reveal tonight— and I’d love for you to come by, take a look, and celebrate the finished home with us.

Friday, August 14 | 4:30–7:30 PM
📍 1485 Sierra Creek Way, San Jose

We’ll have refreshments and snacks, and members of the renovation team will be there too, so you can meet some of the people who helped bring the transformation to life.

Stop in, tour the home, stay for a bit — and if you know someone who would love to call Berryessa home, send this their way. I’d love to meet them too.

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

08/11/2026

Jumbo loans are often associated with luxury homes. But at Silicon Valley price points, many buyers use them simply to finance their home purchases.

So what actually makes a loan jumbo?

A conforming loan falls within the applicable loan limit set by the Federal Housing Finance Agency and meets Fannie Mae or Freddie Mac guidelines. A loan that exceeds the conforming limit for the county where the property is located is considered jumbo.

For 2026, the conforming loan limit in most of the country is $832,750.

But in most Bay Area counties—including Santa Clara, San Mateo and Alameda—the limit is higher:

$1,249,125

Loans above $832,750 but no more than $1,249,125 are considered high-balance conforming loans in these counties. Go above $1,249,125 in loan amount, and you’re in jumbo territory.

Remember, the limit applies to the loan amount—not the purchase price. With 20% down, a purchase price above approximately $1.56 million would cross into jumbo territory. Put down more, and that purchase-price threshold moves higher.

Jumbo rates may also surprise you. Many lenders compete for well-qualified jumbo borrowers in Northern California, so a jumbo rate can sometimes be comparable to—or even lower than—a high-balance conforming rate.

However, jumbo loans typically involve more detailed underwriting and stricter qualification requirements. Guidelines aren’t standardized, and lenders may differ in how they evaluate cash reserves, liquid assets, credit, debt-to-income ratios, and the history and expected continuation of RSU or bonus income.

The same buyer may receive different answers from different lenders. That’s why it’s important to compare the complete loan—not just the advertised rate.

Not sure which side of the line your purchase falls on? Let’s run the numbers before you fall in love with a house.

I’m Nancy Dinshaw, your Silicon Valley real estate advisor. Follow for local market insights, neighborhood guides, and practical tips for buying and selling in the Bay Area.

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

Source: fhfa.gov

08/07/2026

BART service to downtown San José is still roughly 11 years away.

So why does it matter now?

Because after decades of planning, physical construction is underway at the West Portal near PayPal Park—the future launching point for the tunnel-boring machine.

Phase I opened in 2020, connecting Milpitas and Berryessa/North San José to the larger BART system.

Phase II will continue the line from Berryessa through four new stations:

• 28th Street/Little Portugal
• Downtown San José
• Diridon
• Santa Clara

Major tunneling is expected to begin around 2028, with VTA targeting 2037 for passenger service.

But this is about more than transportation. VTA says the extension could support up to 60 million square feet of housing, retail and commercial development along the corridor over time.

It’s part of a much larger shift toward building denser, more walkable communities near major transit.

That doesn’t automatically add a premium to nearby homes today. But transportation access and station-area development can influence buyer demand—and fundamentally change how neighborhoods grow over time.

Would future BART access influence where you’d consider buying?

I’m Nancy Dinshaw, your Silicon Valley real estate advisor. Follow for local market insights, neighborhood guides, and practical tips for buying and selling in the Bay Area.

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

Source: VTA

Cover photo: Dllu via Wikimedia Commons, licensed under CC BY-SA 4.0. Cropped and overlaid with text.
Image: https://commons.wikimedia.org/w/index.php?curid=180878376
License: https://creativecommons.org/licenses/by-sa/4.0/

08/04/2026

The market may seem quieter, but the Silicon Valley homes that closed in July were still moving quickly.

Across these six cities, median days on market were remarkably similar—even though prices, inventory and buyer demand vary from one area to another.

One important caveat: these figures reflect only the properties that sold. They don’t capture listings that were still sitting at the end of July, expired or were withdrawn.

The takeaway isn’t that every home will sell in a week or two. It’s that buyers are still acting quickly when the price, condition and location line up.

Thinking about selling? Send me a message and I’ll help you understand what buyers are responding to in your specific neighborhood.

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

07/31/2026

August in Silicon Valley is packed with live music, outdoor theater, festivals, new places to explore, and plenty of reasons to get out and enjoy the final stretch of summer.

Here are five events worth adding to your calendar:

🎷 San Jose Jazz Summer Fest
Aug 7–9 | Downtown San Jose
Three days of jazz, blues, salsa, R&B, and global music across downtown. It’s one of San Jose’s biggest summer weekends.

🎭 Silicon Valley Shakespeare: Much Ado About Nothing
Aug 7–Sep 6 | Sanborn County Park, Saratoga
Shakespeare reimagined as a Bollywood-inspired South Asian American wedding celebration—think *Monsoon Wedding* under the stars.

📝 TheatreWorks New Works Festival
Aug 7–16 | Lucie Stern Theatre, Palo Alto
Watch new plays and musicals being developed live, with audience feedback helping shape what comes next.

📚 Joseph Ogilvy: Tin Can Coast
Aug 12 | Kepler’s Books, Menlo Park
A fascinating look at California’s coast and fishing history, including the real stories behind Monterey’s Cannery Row.

🎨 Palo Alto Festival of the Arts
Aug 22–23 | University Avenue, Palo Alto
More than 250 artists, live music, and food—but the Italian Street Painting Expo, with enormous chalk murals taking over Tasso Street, is the real reason to go.

Looking for even more ideas?

📅 Browse my local events calendar:
https://liveinthebay.com/events

☀️ And if you’re planning the rest of your summer, my Silicon Valley Summer Guide is full of day trips, seasonal favorites, local eats, and more:
https://liveinthebay.com/seasonal-guide

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

07/28/2026

Can RSUs help you qualify for a mortgage in Silicon Valley?

They may—but the answer can depend on the lender.

One lender may qualify you using salary alone, while another may also count eligible RSU income. Same borrower. Similar documentation. Potentially very different buying power.

For example, someone earning a $180,000 salary plus $60,000 a year in eligible RSU income could see an estimated increase of approximately $350,000 in buying power if the RSUs are counted.

Lenders will typically look at factors such as:

✔ Whether the RSUs have vested and been distributed
✔ Your history of receiving RSU income
✔ Whether the RSUs are from a publicly traded company
✔ Evidence that the income is expected to continue

(You may need to provide W-2s, recent pay statements, brokerage records and your current vesting schedule.)

Some lenders have stricter internal requirements. Others have more experience evaluating equity compensation.

That’s why one lender’s “no” may not be the final answer.

Not sure whether your RSUs will count? Send me a message, and I can connect you with a lender who regularly works with Silicon Valley compensation packages.

I’m Nancy Dinshaw, local and real estate agent helping people buy and sell in our area. Follow for more real estate tips and local recs.

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Nancy Dinshaw
Broker Associate | DRE #01924283
📲 (650) 549-5539
📧 [email protected]
🌐 liveinthebay.com

Note: Example is for illustration only. Actual qualification and buying power depend on the borrower, loan program, interest rate, debts, down payment and lender requirements.

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