Santa Cruz Real Estate

Found 842 blog entries about Santa Cruz Real Estate.

Before taking out a mortgage to buy a Santa Cruz Home, it’s time to take a realistic survey of your finances so that you can determine your price range and what size of home you can comfortably afford. Buying a home that suits your finances will mean that your mortgage payments will be easily within your budget and won’t cause you financial stress.

Many people, when offered a large mortgage by the bank, are tempted to buy homes that are outside of their price range. It’s easy to see why a larger property or a more luxurious home might be appealing, but by stretching too far beyond your means you are courting with disaster.

If your monthly mortgage rate just barely fits within your budget, without room for savings, retirement contributions, or to

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Many people think that selling a Santa Cruz home after the holidays and during the Winter season is a bad idea. Most people are not in the home buying mood, because they are thinking about the holidays. Also, buyers will think that you are desperate and they will give you offers that are less than list price.

However, there are some advantages to selling your home over the holidays and into the new year. There will be less homes on the market, so there won’t be as much competition. Also, buyers will likely be on their holidays from work, so they will have much more time to view properties and look around at homes. Another factor is mood – buyers will generally be feeling more cheery and relaxed over the holidays, which will result in them being more

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Houseplants are great for decorating. They can brighten up any room. Plus, houseplants can increase the air quality in a room. That makes you happier, healthier and reduces stress. Speaking of stress, these plants won’t create any at all. All of the plants on this list are great at producing oxygen and require very little care.

10. Heartleaf philodendron
A tough plant that’s a good filter for toxins like formaldehyde, Heartleaf philodendron makes a great houseplant. The only downside is that it’s toxic to eat, so it may not be the best choice for those with kids or pets. But if you can control your appetite, the Heartleaf philodendron is an excellent indoor Houseplant for air quality.

9. Snake plant
Also called Mother-in-Law’s tongue, the Snake plant

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Kitchen space is a valuable commodity. If you feel stretched for storage space, you could throw away all the flatware your mother-in-law gave you, or you could keep the flatware and learn to use the space you have – more efficiently. The number one most likely spot to find extra storage space is right under your kitchen sink. Organize your under sink area and it will free up space all over your kitchen.

Clean It Up
The cabinet below the sink has a nasty reputation. It’s home to rusty pipes, water stains, and dead ladybugs. First thing is first -- clean it up. If it still looks a little dingy, give it a fresh coat of white paint. That will lighten things up. You can also get a simple cloth mat to lie down. You can find one for less than five bucks.

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When you first bought your Santa Cruz home a few years ago, perhaps you started off with a 30 year mortgage. Now, you are considering refinancing and changing it to a 20 year or even a 15 year mortgage. Shortening your mortgage term and refinancing can be a smart financial move, but before you make this decision there are a number of factors that you should consider.

Switching to a shorter mortgage will mean that your monthly payments will be higher, but you will be 100% paid off much sooner and you will save thousands of dollars in interest rates. Here are a few of the factors to consider before making this decision:

Has Your Situation Improved?
Perhaps you have moved to a higher paying position, allowing you to earn a higher income and pay off more

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After all of the excitement of the holidays, the sparkle of the lights and the overstimulation of decorations, the rest of winter can seem lackluster. Don’t let your home add to the dreariness of the season. Spruce up your curb appeal with the tips below and inspire your neighbors to create well-groomed street that will make driver’s passing through smile.

Tend The Plants
If you’re currently located in a winter wonderland, then dig up any dead plants that won’t grow back. Replace them with cold-loving flowers, such as snowberry or lambs ear. In warmer climates, this is the time for any landscaping changes you’d like to make. It will give your plants a chance to flourish by spring and have solid roots before the harsh heat of summer.

Light The Way
With

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Fannie Mae and Freddie Mac have been in the news quite a bit over the past few years, so it’s a good time to do a refresher on who they are and what role they play in the Santa Cruz real estate market.

Who Are Fannie Mae And Freddie Mac?
Fannie Mae is the Federal National Mortgage Association. Freddie Mac is the Federal Home Loan Mortgage Corporation. They were originally created to raise homeownership levels and increase the availability of affordable housing.

Fannie and Freddie don’t sell mortgages directly to homeowners. They buy mortgages from lenders, so the lenders can use the money to issue new home mortgages.

In 2008, due to mismanagement resulting in billions of dollars of losses, Fannie and Freddie were taken over by the government.

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Have you made it your New Year’s resolution to find that perfect Santa Cruz home for you and your family? You might have thought that you needed to wait until spring to start house shopping, but the fact is that January is a great time to begin. Put on your winter jacket and get out there while the leftovers from the New Year’s party are still in the fridge – you’ll have the upper hand.

House hunting in January offers a number of advantages that will work in your favour. Here are some of the main reasons

Busy Social Calendars
First of all, most other people will be busy with parties, holidays and getting back to work after Christmas and they won’t want to venture out in the cold weather to go look at houses– so there will be fewer competition when

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While the winter season isn’t necessarily the best time to list your home for sale, there are a few advantages. Fewer people want deal with the hassle of keeping their houses in order for showings this time of year, which means there will be less competition. So take advantage of the lagging market and implement the tips below to help sell your home this winter.

Price It Fairly
Buyers who are searching for a home during the busy holiday season are serious about finding a new place to live. So if you price your home fairly, a determined buyer will sniff out the deal quickly and be offering a bid before you know it.

Hire A Professional Photographer
Redfin posted last month “that homes with listing photos taken with DSLR cameras sell for $3,400 to

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Your Santa Cruz home is your castle and its decor is a unique artistic expression of your tastes and aesthetic. In order to keep your home decor looking fresh and up to date rather than stale, it’s important to pay attention to the trends as they shift and change. This is especially important if you are selling your home, because outdated décor can make a negative first impression on the buyer. 

If you are planning to redecorate this year, what are the hottest trends when it comes to home décor in 2014?

A Breath Of Fresh Air
Benjamin Moore Paints has announced their 2014 Color of the Year, which is a powdery sky blue hue called “Breath of Fresh Air”. It’s a gentle pastel colour that works well with neutrals such as brown, grey and white and can also

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