What is Home Equity? Home equity seems to be a very simple calculation — the total amount of mortgages owed subtracted from the current market value of a home. Read more ⇢

Get Your Credit Score in Shape Before Buying a Home How strong is your credit? Cleaning up your credit is essential before you make any major financial moves. Having a… Read more ⇢

An FHA mortgage is a loan insured by the Federal Housing Administration. The FHA, an agency of the U.S. Department of Housing and Urban Development, insures loans so that lenders will… Read more ⇢

I have had the pleasure of working with a lot of home buyers in Santa Cruz looking to buy their first home or even their second or third home. I can’t… Read more ⇢

Even though 30-year fixed rates dropped in the first half of January, many analysts expect fixed mortgage rates to go up somewhat… Read more ⇢

The average fixed mortgage rate dropped again last week, according to the Primary Mortgage Market Survey® (PMMS®), providing more buying power and incentive if you are seeking to buy your… Read more ⇢

Despite that fact that mortgage rates are slowly creeping higher in Santa Cruz and else where, Freddie Mac reports that they are still low enough to allow high home-affordability for… Read more ⇢

Buying an Aptos home starts with determining how much house you can afford. While it’s important to be careful of buying more house than you can afford, changes in the… Read more ⇢

Santa Cruz County home-buyers should jump at prices and mortgage rates. Now is the time  to buy with low mortgage rates and still reasonable home prices. Mortgage Rates Currently,… Read more ⇢

Spring is an ideal time to sell your home in Santa Cruz County This week’s news released in the Freddie Mac U.S. Economic and Housing Market Outlook showed Spring as an… Read more ⇢

Have you been wondering what changes and developments in the 2013 Aptos housing market will mean for Aptos home values? If so, you’re not alone. A series of  predictions… Read more ⇢

A Short Sale May Be Your Best Way Out of Bad Real Estate Situation While no one wants to lose their home, the trauma is made far worse by the destruction… Read more ⇢

Have you taken a look at mortgage rates lately? Today’s recently updated survey by Freddie Mac shows 30 year fixed rate mortgages as averaging 3.56%! The… Read more ⇢

Are you pre-approved for your Santa Cruz home purchase? If not, you need to be, and no, it won’t affect your credit rating. In today’s Santa Cruz County real estate… Read more ⇢

A combination of historically low mortgage rates and declines in home pricing are resulting in the most affordable home market in two decades. This is great news for home… Read more ⇢