Why sip on a 7%+ rate when you could enjoy something closer to 5.6%?  
A 5/6 Adjustable-Rate Mortgage (ARM) can be a refreshing option for homeowners looking to cut monthly costs without sacrificing flexibility.
Here’s how it works: your rate stays fixed for the first 5 years, giving you stability and predictable payments. After that, it adjusts every 6 months, usually tied to a market index. That lower starting rate means more cash in your pocket now—whether you use it to pay down debt, build savings, or finally start that home project you’ve been putting off.
But here’s the best part—you don’t have to figure this out alone. We’re not mortgage experts (and we won’t pretend to be), but we do know some of the best in the business. They’ll break down the details, run the numbers, and help you decide if this option is the right move for you.
Think of it as trading in flat soda for something crisp, cool, and full of fizz. Ready to refresh your mortgage? Let us connect you with the pros who can make it happen.

The last quarter of the year is here, and the market’s actually giving everyone something to smile about: rates are easing and inventory is up.
For buyers, that combination means more choices, stronger negotiating power, and a better chance to secure the right home before the year wraps up.
For sellers, this season can also be a sweet spot. Many buyers are eager to take advantage of the shifting conditions, and motivated buyers paired with softer rates can make your home stand out even more. If you’ve been considering listing, the timing could work in your favor.
And if you’ve already made your move, this is the perfect moment to check in on your home’s value, build equity goals, or simply stay informed on what’s happening in the market. Real estate isn’t just about one transaction—it’s about planning for the future.
So—what are you waiting for? Whether you’re buying, selling, or settling in, now’s the time to position yourself for success before the year closes out.

If there’s one thing this business has taught us, it’s that success tastes better when shared. Every closing, every “just sold” sign, every set of keys handed over—it’s not just our win, it’s yours too.
Truth be told, we wouldn’t have these moments without you. Your trust, your referrals, your cheers from the sidelines—that’s what fuels us. You’ve let us into your homes, your stories, and your biggest life chapters, and that’s something we’ll never take for granted.
So when we celebrate a record-breaking month, or pop a little champagne after a tough escrow finally closes, know this: we’re celebrating with you and because of you. Real estate may be about houses, but our work is about people—and we’re beyond grateful you’re our people.

This month, we’re honoring someone very special to us—Petey, our sweet office pup and forever member of the VB Realty Group family. If you ever met him, you know: Petey had a way of showing up with a wag, a nuzzle, or just quiet calm, right when you needed it most. He reminded us of what really makes a house a home—it’s not the walls, the floors, or the upgrades… it’s who you share it with.
Let’s be real—pets are family. Nearly 70% of U.S. households have one, and more than 80% of pet owners say their pets are full-on family members (we're in that 80%, no question). Whether they’re making us laugh, getting us out for a walk, or just being there during a tough day, they give us so much. That’s why more and more buyers are asking for pet-friendly homes—yards, trails, and neighborhoods that feel welcoming for every member of the family, paws included.
In Petey’s memory, we’re continuing to support Viva Los Gatos, Baja, a nonprofit close to our hearts. They rescue abandoned and at-risk cats, giving them the second chance they deserve. If you’ve ever been loved by a pet, you know how powerful that bond is. A donation—big or small—can help provide food, shelter, and care to cats still waiting for their forever home.
Here’s to the pets who make life better—and to carrying that love forward. 🐾

Click here to DONATE!: https://givebutter.com/n6NLpP