Buying Santa Cruz Real Estate starts here
I'm glad that more people are becoming curious about buying a home in Santa Cruz in this market! There are some wonderful home buying and investment opportunities, and it's an exciting time to be buying a home in Santa Cruz County.
While interest rates are reasonable once the market has settled down, there are interesting old homes with character available, newer housing developments, new condos downtown, lots in nice areas, and well-planned family residences with lasting architectural and financial appeal for the novice or seasoned home buyer.
Buying a home in Santa Cruz...getting a loan on Santa Cruz real estate
The banks have changed the home lending rules dramatically and the lending landscape has changed, so you definitely want an experienced lender like Woodward- O'Connor Mortgage Stephanie can get you qualified and looking strong when you want to make an offer.Call her at 831-479-3303. You can find a list of necessary loan documents that you will need to buy a home in Santa Cruz County as well as a quick overview. Be sure to ask a lot of questions at your appointment after you have gotten your loan appointment. Once we know how much a bank will lend you, unless you will be paying all cash, this will be important so that we look at the properties in your price point.
Despite (and perhaps because of) the great selections in homes in this area,some buyers are having a difficult time zeroing in on the home or property that is uniquely appropriate for their needs. Others are gathering their courage to move forward with this great investment. This is a market that has challenges, but the biggest for most buyers, is the fear of starting. It is a step of putting down roots and making a commitment. After marriage and children, this is a significant one. In some ways it is easier as you can always sell when you are ready, whereas a mate and kids are a lifetime commitment. No worries, this is a good thing too.
Remember real estate is a 5-10 year investment, so don't worry about the short term, look at it as a home first and an investment secondly. Take a look at the historical home loan interest rate chart and you see the great rates that are available.
As a 20 year experienced Santa Cruz real estate broker, you have valuable help in making your buying decisions
Just remember: once you start getting acquainted with the market by receiving daily updates that match your real estate search, you'll feel more confident in moving forward with a purchase of a home in Santa Cruz or a beach house in Rio Del Mar. By browsing the MLS listings you'll have a feeling what is a good value for what you are looking for.Weighing the investment potential of each property can be difficult, so having someone with over 20 years in the business can help you in you decision. As a Santa Cruz real estate broker, let me help you find what you want easily.My job is to help you; we work as a team, to find the best home for the money for you, in the best location for your budget. Santa Cruz County has a wealth of different communities, starting with the San Lorenzo Valley , Santa Cruz, Capitola, Live Oak, Rio Del mar, Aptos,La Selva Beach, Corralitos and Watsonville. I know the areas and we can find which one will be suited for you. I'll tell you what I think is good and what I think is not good about a place. My Santa Cruz real estate website, has great search capabilities and big pictures to make the search easier. Not sure where to start ? Use my real estate home search by map? It is an easy way to get a good overview of what is available.
If it is a unique home you seek, I can help you as I become aware of homes for sale that are never listed publicly. With the premier real estate company in the county, David Lyng Real Estate, it is likely we know the owners personally, having sold them the home. Having seen many homes over the years, it is likely I can find it.
The Home Buying Process in Santa Cruz
As you begin to think about buying a home, you're probably acutely aware that this is likely to be your greatest investment ever (short of children or a good marriage), and you might be wondering if there's anything you really need to know as you go into this process. This is where I,as your real estate professional, Gregg Camp, comes in. With the help of an experienced agent, you can come out on top in getting the home you wanted. Missing out on the house you wanted happens all the time to buyers, work with inexperienced agents. They are left reflecting on the why they didn’t get a home, only to later realize that experience isn't expensive, it's priceless. Knowing where to buy, things to avoid, how to evaluate are all factors in choosing a seasoned agent. If you'd like to know about the home buying process, we'd love to tell you all about it. Contact us! or call me for an appointment and let's talk about what you want, and how to get it.
Set up your Santa Cruz real estate listing alert
New homes for sale hit the market
daily,sometimes the ones you might consider will show up weekly or
monthly. As your representative, I'll be in regular contact to ensure
you
see all the newest listings that seem like candidates. Often clients
can put in offers
with little or no competition and walk away with an impressive deal on
the property of their choice. I will also make sure you see the
properties that best meet your needs and investment preferences, so
that you don't spend time on listings that aren't of interest. As you
compare the best deals, I'll provide you with important information
about the home and its neighborhood.
My website has many pages devoted to neighborhoods with maps and links
to the Santa Cruz schools.
Many real estate transactions include
an extensive negotiating process, and as your agent it will be my job
to represent you here and get the best deal possible. I will also
recommend and often attend property inspections, make sure any and all
agreed-on repair work is carried out, and handle paperwork related to
the sale. I can also help set up the financing for your home or
investment, and work directly with a broker to provide you with a
seamless loan package. Having an experienced agent helps on knowing
where to go for what type of loan and what properties will likely have
lending problems.
Working with a dedicated agent on your
next home purchase will save you time, add professional assurance to
every step of the process, and make your life easier. With the strong
likelihood that your decision to buy now, you are all but assured of a
solid investment within 5-10 years. The decision to buy here could make
you a tidy sum when it's time to sell.
Get in touch with me today, and lets talk about your future
Resources for Buyers
This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.
