JLG headshot 04-09-2012-022_tiny Welcome to the San Francisco Bay Area! Known for its moderate climate and bridges crisscrossing the bay, it's a wonderful place to call home.  Do you have a question about real estate or manufactured homes? Tell me what's on your mind by sending me a note on our contact form or calling me on my cell phone. For more than 40 years I have delivered results buyers and sellers love.  It would be my honor to do the same for you whether you're buying or selling in the San Francisco East Bay.   You may find it interesting to see what other clients have to say about my service, click here I am looking forward to assisting you. Sincerely, Joanne L. Gardiner, Broker, e-PRO Realtor®, CalBRE 00822285 Cell phone: 510-589-4794  

News that is Noteworthy...

News Release
HOME PRICES ROSE 7.4 PERCENT YEAR OVER YEAR IN JULY CoreLogic recently released its July CoreLogic Home Price Index (HPI) report, which shows home prices nationwide, including distressed sales, increased 7.4 percent in July 2014 compared with July 2013.
This change represents 29 months of consecutive year-over-year increases in home prices nationally. On a month-over-month basis, home prices nationwide, including distressed sales, increased 1.2 percent in July 2014 compared with June 2014.
Including distressed sales, the five states with the highest home price appreciation were:  Michigan, 11.4 percent; Maine, 10.6 percent; Nevada, 10.6 percent; Hawaii, 10.5 percent; and California, 10.5 percent. More info

FHFA Announces Settlement with Goldman Sachs


​Washington, D.C. – The Federal Housing Finance Agency (FHFA), as conservator of Fannie Mae and Freddie Mac, today announced it has reached a settlement with Goldman Sachs, related companies and certain named individuals.  The settlement addresses claims alleging violations of federal and state securities laws in connection with private-label mortgage-backed securities (PLS) purchased by Fannie Mae and Freddie Mac between 2005 and 2007.

Under the terms of the settlement, Goldman Sachs will pay $3.15 billion in connection with releases and the purchase of securities that were the subject of statutory claims in the lawsuit FHFA v. Goldman Sachs & Co., et al., in the U.S. District Court of the Southern District of New York.  Goldman Sachs will pay approximately $2.15 billion to Freddie Mac and approximately $1 billion to Fannie Mae.  This settlement, worth approximately $1.2 billion, effectively makes Fannie Mae and Freddie Mac whole on their investments in the securities at issue.  As part of the settlement, FHFA, Fannie Mae and Freddie Mac will release certain claims against Goldman Sachs & Co. related to the securities involved.

The settlement also resolves claims that involved a Goldman Sachs security in FHFA v. Ally Financial Inc., et al.  FHFA previously settled claims against Ally Financial Inc.

This is the sixteenth settlement reached in the 18 PLS lawsuits​ FHFA filed in 2011.  Three cases remain outstanding and FHFA is committed to satisfactory resolution of those actions.

Link to Settlement Agreement with Fannie Mae

Link to Settlement Agreement with Freddie Mac​​​


New Water Conservation Rules: 

On Tuesday, July 15, the State Water Resources Control Board adopted a new regulation aimed at cutting outdoor water useThe new rules prohibit washing driveways and sidewalks and using a hose without a shut-off nozzle to wash vehicles. Local water agencies will be responsible for enforcement. Individual water users could be fined up to $500 for violating the restrictions, while water agencies could be fined up to $10,000 per day for not enforcing the regulations.

Most of the water agencies serving the East Bay already have conservation policies in place. It is unclear if these new state-level restrictions will result in any policy changes at the local level. None of the agencies have indicated how they will enforce the new State conservation rules.

For more information, please click here.

----- The all-cash buying real estate trend has not let up at all in early 2014.  In fact, most states have seen an increase in cash purchases—a stunning trend when you consider how popular cash buyers were last year and the fact that many institutional buyers are starting to drop out. Part of the reason why the momentum has been sustained and even strengthened in some regions is because new types of all-cash buyers are emerging and brokers are embracing it. ...Read More >  

one cool thing Home is never far away

cool thing - improvements that pay you back


Why call Joanne?

  • Listens to her clients

  • Strives to exceed their expectations
  • Produces results buyers and sellers love

  • More than 40 years experience

  • Top producer, even in the toughest years​


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Serving San Francisco Bay Area Buyers and Sellers for more than 40 years.

Bureau* of Real Estate Brokers License Number: 00822285 Department of Housing and Community Development Occupational License Number:  SP1178511

Advantage Realty

3205 Whipple Road - Union City, CA 94587

Office: 510-429-4800 or Cell Phone: 510-589-4794   

We serve the greater bay area: Joanne Gardiner and Advanage Realty serve most communities in the  East Bay, Foster City, and portions of the Peninsula.  Our location near the bay, San Mateo Bridge, and Interstate 880 enables us to easily serve most of Alameda Country, parts of Contra Costa County, and parts of San Mateo County. Our primary service areas in Alameda County include:  Hayward, Union City, Fremont, Castro Valley, San Leandro, San Lorenzo, Dublin, Livermore, Newark, Niles, Oakland, Pleasanton,  and Sunol.  In Contra Costa County we serve:  Danville and San Ramon.  In San Mateo County we serve:  Burlingame, Foster City, Palo Alto, and San Mateo.  

The types of real estate in which we specialize are:  Single family homes, duets, condominiums, townhomes, garden homes, PUDs, manufactured homes, mobile homes, and  residential income properties.

The primary zip codes for the areas we serve are:  94540, 94544, 94545, 94541, 94542, 94543, 94540, 94557, 94587, 94536, 94537, 94538, 94539, 94555, 94560, 94577, 94578, 94579, 94546, 94552, 94583, 94582, 94566, 94588, 94506, 94526, 94568, 94611, 94610, 94602, 94618, 94619, 94605, 94501, 94502, 94404, 94010, 94301, 94302, 94303, 94304, 94306, 94309

Proud to be a Realtor

ARM Homes - Dream Homes - Meticuously remodeled manufactured homes by master craftsmenOur sister company ARM Homes specializes in manufactured homes: New customized manufactured homes and meticulously rebuilt manufactured homes by master craftsmen.  ARM Homes also purchases select manufactured homes for all cash in as-in condition.  Please visit their web site for more information: MobileHomeLife.com  


* California Bureau of Real Estate (CalBRE) is the same as the Department of Real Estate.  The name was changed July 1, 2013.