Santa Cruz Beach Properties

Tax Benefits of Homeownership The tax deductions you’re eligible to take for mortgage interest and property taxes greatly increase the financial benefits of homeownership. Here’s how it works. Assume: $9,877 = Mortgage interest paid (a loan of $150,000 for 30 years, at 7 percent, using year-five...

Budget Basics Worksheet The first step in getting yourself in financial shape to buy a home is to know exactly how much money comes in and how much goes out. Use this worksheet to list your income and expenses below. INCOME Take Home Pay (all family members) Child Support/Alimony Pension/Social ...

10 Questions to Ask Your Lender 1. What are the most popular mortgages you offer? Why are they so popular? 2. Which type of mortgage plan do you think would be best for me? Why? 3. Are your rates, terms, fees, and closing costs negotiable? 4. Will I have to buy private mortgage insurance? If so,...

  1. Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program, www.getdownpayment.com, and the American Dream Down Payment Fu...

  Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and coll...

Luxury Tour at a Great Price   Chamber Travel- Bali and Java     Second Departure - Oct 6      The intrigue and elegance of the Chamber's Bali and Java trip are now available on a second departure date, October 6. This second departure is identical to the September 2 tour. It features the same r...

I appreciate this opportunity to provide a custom sales and marketing plan which reflects the quality and distinction for every client's home I list. Every Client Gets a Personally Customized Service Plan: A Custom Marketing Plan Designed to Create Maximum Exposure The relationship with you is t...

Specialty Mortgages:   In high-priced housing markets, it can be difficult to afford a home. That's why a growing number of home buyers are forgoing traditional fixed-rate mortgages and standard adjustable-rate mortgages and instead opting for a specialty mortgage that lets them "stretch" their ...

4th Annual Hot Rods on the Green 2701 Cabrillo DriveAptosPhone: 831.227.3100tlc.org/hotrodsFeaturing hot rods, classic, vintage & race cars & motorcycles. "Sock Hop" Sat night with the Dig Beats. No Admission Charge.Date: July 10, 2010 - July 11, 2010Time: 7/10: 11-9pm; 7/11: 8-2pm   Plein Air A...

A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negoti...