All Blog Entries by Lauren Spencer

Found 1,005 blog entries published by Lauren Spencer.

Gardening isn’t just a therapeutic hobby with lucrative results, it’s also a fantastic way to spruce up your backyard, get active, and enjoy the summer sun. Spring is officially here and it’s the perfect time to start the planning process for your garden. Whether you’re looking to sell soon or are just wanting to spruce up your space, these tips can help you get the garden of your dreams and boost the value of your home.

Backyard Landscaping Can Boost Curb Appeal

Although the backyard isn’t necessarily visible from the front of the home, it’s still nice to peer out the back window and see an inviting space where you can enjoy all of the wonderful sunshine California receives. If you’re thinking about selling your home, it’s not just important, it’s

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Mortgage tips for first-time buyersBuying your first home is one of the most exciting purchases you’ll make in your life, but before you start to comb through the listings to find the home of your dreams, you’ll need to find out how much you can borrow. If the idea of buying a home is even minutely interesting to you, it’s never to early to get your financials in check so that when the time comes, there’s nothing to hold you back.

Here are some tips from some national mortgage pros to help you be mortgage-ready when the time comes to buy a home in Santa Cruz County.

Clean Up Your Credit Score

Your credit score and history are two of the biggest factors that lenders consider when processing your mortgage eligibility. Before you apply for your mortgage, request a free credit report

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How to buy your first homeThe Santa Cruz real estate market is still simmering from its red-hot year in 2015. Prices remain high, inventory is low and the demand for homes is still remarkably high. So where does that leave first-time homebuyers? With rental prices at an all-time high, it may be time to ask yourself the tough questions. Are you ready to buy a home? Can you picture yourself spending the next few years here? Are you financially and mentally ready to commit? If you can honestly answer those questions with a yes, then you’re nearly halfway there.

1) Ask All Of The Questions

Ask your friends, family, coworkers, web forums, industry professionals, essentially everyone and anyone you can to find out more about things like financing, the buying process, home

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Valentines Day Santa Cruz date ideasRetail shelves are stocked with chocolate, florists are in a frenzy, and love is in the air. Valentine's Day is just around the corner, and what's better than showering your partner in gifts of chocolate, jewelry, or flowers, is the gift that can withstand the test of time — making great memories together.

If you haven't already started planning your romantic adventures, here are a few ideas to keep things fun and spontaneous this Valentine's Day in Santa Cruz.

For The Thrill-Seeking Duo

Take your sweety on a sky-high adventure at The Boardwalk, where all rides are on sale at 2-for-1 this weekend. Cling to each other in the Fright Walk, strike up some friendly competition over a round of mini golf, and watch as the sun sets over the ocean from

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home diy projectsWhen it comes to doing home repairs, it seems you have two options: you can save some money and do the repairs yourself, or hire a professional. There is an endless supply of handy tutorials and do-it-yourself guides on the internet for empowered homeowners who enjoy fixing things themselves. However, there are some instances where it’s best for your safety, sanity, and finances, to leave it to the professionals. Here are four household renovation projects that are probably best left to the professionals.

Removing Trees From Your Property

Tree removal often requires climbing, power tools, and heavy machinery to fully remove a tree and its roots. If it’s a tall tree, like many in Santa Cruz, then the danger alone is enough to offset the cost of

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December is just around the corner and so are all of the annual holiday festivities that come along with it. Whether you’re out shopping, taking part in holiday festivities, away visiting family in another city, or taking an extended vacation somewhere dry, it’s likely that your home could be unusually quiet during this time of the year.

No matter where you’re going or how long you plan to be gone for, the last thing you want to have on your mind is your home’s security. Here are a few easy tips and tricks to help ensure that your home remains safe and sound while you’re away.

Hide Your House Key

As convenient as it is, it’s important that you don’t leave your key outside. Give a copy to a family friend, coworker, or close neighbor if you plan on

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Regardless if you’re getting ready to sell or are just wanting to change things up around the house, a little can go a long way when it comes to home improvement. There’s a new year coming, so instead of the old ‘new year, new you’ line of thinking, why not ‘new year, new house’? Now is a great time to make an awesome New Year’s resolution to change up your space.

Take Advantage Of Boxing Day Sales

Every savvy shopper knows which two days of the year are the best time to head out to the stores: Black Friday and Boxing Day. And it’s not just clothing retailers and electronics stores that are getting in on the action anymore; home renovations stores, from large chains to locally-owned businesses, are also joining in on the shopping bonanza.

That

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Fun Holiday Events In Santa Cruz 2015

Santa Cruz Holiday Events

December 1st always seems to mark the official kickoff of the holiday season. With Thanksgiving and the commercial madness of Black Friday and Cyber Monday now behind us, we can all start focusing on getting into the holiday spirit. While we tend to get caught up in the parties and presents this time of year, it’s important to remember to focus on the important things in life, like spending time with friends and family. Lucky for us, that's easy to do with so many great family-friendly events that are afforable or even better, free! Get your pen ready and start marking your calendars, because this is going to be a year to remember!

Here are few fun activities that you and your

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Thank-You Santa Cruz!!

Thank-you for choosing us as your real estate team in Santa Cruz. From our family to yours, the team at My Santa Cruz Real Estate wishes you a warm and wonderful Thanksgiving. We're sincerely grateful for all of the wonderful people we've connected with over the years and look forward to continuing to help residents of Santa Cruz find the perfect homes for them. 

If you're thinking about a new home, send us a message and we'll be happy to help you get started. 

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What Is A Second Mortgage & Why Would You Need It?

What are second mortgagesA second mortgage is essentially an additional loan that’s taken out on your home or property that’s already mortgaged. Homeowners choose to do this for a variety of reasons, but is always comes down to needing a large sum of money to pay for something, be it home renovations or expensive fixes to the property. Since mortgage rates tend to have a lower interest rate than other forms of credit, like credit cards and car loans, some people choose to consolidate their debts by using a second mortgage to pay off everything else.

Homeowners with good credit and have at least 20% equity in their current home can often receive a home equity line of credit. These interest rates tend to be fairly low.

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