Santa Cruz Beach Properties

A TRANSFORMITIVE EXPERIENCE             - MAKING YOUR SPA BATH AN INDULGENCE WELL SPENT    Create a private escape within your own home. Throughout history, cultures across the world have revered bathing for its restorative properties. No small wonder then that more and more people are building ...

Mortgage Delinquencies - National Numbers   Quarter 3 - 2009    All Mortgages: 4.38% in Foreclosure 9.94% in Default (30+ days late) 14.32% Total Prime Mortgages: 3.20% in Foreclosure 6.94% in Default (30+ days late) 10.14% Total Subprime Mortgages: 15.35% in Foreclosure 26.66% in Default (30+ d...

5 Things to Know About Homeowner's Insurance1. Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately. 2. Know about dollar limitations on claims. Even if you are covere...

  Simple Steps to Change Your Life We all would like to make positive changes in our lives, from losing weight to managing our finances more wisely. The unpleasant fact is that old habits and beliefs are hard to shake. The way our minds work can hold us back. Memories of the past tend to dominate...

  Tips for Lowering Homeowner's Insurance Costs1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you're interested in buying. CLUE reports detail the property's claims history for the most recent five years, which insurers may use to deny coverage. Make the sale...

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...

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...