Many homeowners in Santa Cruz, Capitola and Aptos are receiving foreclosure filings, and one in five homeowners are underwater nationwide. These consumers may be seeking a loan modification, but may not understand how this works. Many California home owners are selling their properties for a loss and others are facing the possibility of foreclosure.

One challenge still facing home buyers, especially first-timers, is the ability to qualify for a loan.Our team can help you navigate these challenging times and take a different approach to real estate. Read what some of our past clients have to say or to see if we can help you contact us today!