April '23 to '24 Comparisons for Santa Cruz, Monterey & the Bay Area (click on title)

Some help for you to navigate the challenging world of finding a mortgage.

Loans and Financing

The right or wrong decision when signing your home mortgage can mean thousands of dollars difference in interest paid. There are very important considerations to evaluate before you commit to a 15 or 30 year note. For many of us, our mortgage payment is the most important financial decision we'll ever make. Doesn't it make sense to know as much as possible about the financing of our home? Take the time to thoroughly investigate all of your options!
  • 10 Questions to Ask Your Lender
  • 10 Things a Lender Needs From You
  • 100% Financing Requires Good Income, Credit
  • 6 Ways to Slash Mortgage Costs
  • Choices That Will Affect Your Loan
  • Don't Be A Victim Of Loan Fraud
  • Negative Amortization (Neg-Am) Loans
  • POINTS: Mortgage Loan Costs
  • Should You 'Buy Down'; Your Interest Rate?
  • Types of Mortgage Loans
  • Use Line of Credit for Flexibility
  • What Size Mortgage do I Qualify for?


    By getting pre-qualified, you know exactly what financial parameters to stay within. Your agent and lender will consult with you and help you get qualified for the loan that best fits your needs.
  • 6 Creative Ways to Afford a Home
  • 8 Steps to Getting Your Finances in Order
  • Lease Purchase Programs Come Of Age
  • Lenders May Not Count Rent from 2nd Unit
  • Self-employed Borrowers Get More Scrutiny


    A few tips that will help you understand how taxes can play a role in the transaction along with capital gain information.
  • 25 Most Overlooked Tax Deductions
  • 5 Property Tax Questions You Need to Ask
  • A Special Real Estate Exemption for Capital Gains
  • Understanding Capital Gains in Real Estate


    A few other things to check out and consider.
  • FHA: Not just for first-time homebuyers
  • Tips to Avoid Foreclosure
  • 5 Reasons You Need a REALTOR
  • 5 Things to Understand About Title Insurance
  • 7 Reasons to Own Your Own Home
  • Demographic Profile: Baby Boomers
  • Is Your Real Estate Agent a REALTOR
  • Questions to Ask When Choosing a REALTOR
  • Understanding Agency