If your adjustable-rate mortgage is approaching a reset, this is worth a look.
A calm, local conversation to help you understand your options before decisions feel rushed.
Why many homeowners look at this earlier than they expect
Many homeowners with adjustable-rate loans are aware that a change may be coming, but wait to look closely until timing feels more immediate. That’s completely normal.
Taking a moment to understand the landscape early doesn’t force action. It simply keeps options open and reduces pressure later.
What this conversation is, and what it isn’t
- A one-on-one, calm planning conversation
- A local perspective grounded in Silicon Valley market realities
- A space to ask questions and explore timing
This is not a sales pitch, and there’s no expectation that you need to sell your home.
What you’ll leave with
- A clearer understanding of what could change with your loan
- A realistic view of current market conditions in your area
- An outline of the paths available, including staying put
- A sense of timing that feels informed, not rushed
About Judith
Judith Vandsburger is a Silicon Valley real estate advisor known for her calm, thoughtful approach and long-term client relationships.
Her work centers on helping homeowners make informed decisions during moments of change, especially when timing, finances, and lifestyle all intersect.
Clients often work with Judith not because they’re ready to sell, but because they want a clear, local perspective before decisions feel rushed.
With deep experience across Silicon Valley neighborhoods and market cycles, Judith brings clarity to situations that can otherwise feel overwhelming. Her role is not to push outcomes, but to help homeowners understand their position, preserve flexibility, and move forward at a pace that feels right to them.
She believes the best decisions are made from a place of clarity and calm, not urgency.
