What are real estate disclosures? I will preface this by stating I am absolutely not an real estate attorney nor should this be considered legal advice.  Disclosures are pieces of information about the property, neighborhood, anything relevant to the enjoyment of the home. These can come in the form of inspections, reports, bids, receipts for work done, agent observations, agent comments and sometimes the neighbors. Seller disclosures are questions asked of the seller to impart everything they know about a property and one disclosure is required by law.  As realtors we have great liability with disclosures so there are many approaches to the delivery of disclosures.

When should they be given. I am going to be hung out to dry on this when I say…

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Regularly I find money on the ground if you see the photo I found this $50.00 bill. I found one last year too and countless coins. I am not lucky, I am just always looking. I find money on the streets regularly. But I also find it my pocket. What I mean is are you studying your bills for loose change. Just last month, I reviewed my cell phone bill and realized I am still paying insurance on older model phone. I typically keep insurance for one year and cancel. I forgot. I cancelled that and paid off the balance of the phone cost and took my cell phone bill from $135.00 to $89.00. Call your cell company and ask them what would better suit you and how you use your phone look for extra charges. 

What about refinancing your home loan, it is popular…

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Here is an idea for new year's resolutions you can keep! and no, I'm not talking about weight loss and I'm not talking about the lofty goals you may have for some personal transformation.

I'm talking about your house. If you're a buyer, seller, homeowner, I recommend a process that my husband and I have been doing since 2007. This is a list of stuff that we want to get done on the house, get redone or improve. And we do it every year. So we make a list of stuff. In 2017, 18 and 19  we did get some fixes, repairs and upgrades done and some we did not. Then 2020 we might actually have to torch this list because with COVID and life, we just didn't get to a lot of what we had planned done. But what we put on paper. We have lots of different things we…

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Proposition 19: New Property Tax &

Inheritance Rules for California

On November 3rd, California voters approved Proposition 19, a measure designed to give homeowners more freedom to change residences while closing tax loopholes on inherited properties.

 The measure, set to go into effect early next year, has two distinct parts, the first of which allows homeowners who are 55 or older, disabled, or lost their home in a natural disaster to transfer their tax base to a new home up to three times anywhere in California.

Previously, homeowners could only take advantage of a tax base transfer once in their lifetime, and only if they bought a replacement home in certain California counties.

The second part outlines the requirements for retaining…

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The idea of a foreclosure wave always gets attention. If you are looking for a deal the indicators of another foreclosure or short sale wave of the last mortgage meltdown years is not going to happen. We do have a few of commonalities of that time that could lead someone to this conclusion. There are climbing unemployment numbers, there are inflated house prices, and buying frenzies.

But what we do not have is unqualified loans being given out. The loans are based on income and triple verified, employment is double and triple verified, buyers are getting standard loans of 15 and 30 years with 20% down. AND while there are a lot of sales the sales volume is not at all what it was at that time. The loans are qualified with real buyers, with real incomes…

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Who prices a house? Where does the final price come from? Market price is a wondering roaming atmospheric condition. The median price of an area is caused by multiple factors... Demand, interest rates, employment, wages. Yes this causes the swings in the market the highs and lows, but where does the market price for an individual home come from? It comes from the buyers and sellers, not the realtors, not the appraisers, not Zillow. Market price is simply where the buyer and seller meet. Often a buyer thinks a home is priced too high and a seller may think their home is priced too low. But if neither party comes to the table there is no "market."

Sellers often ask what do you think my home will sell for, ah, this is a tricky question often designed…

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Looking back at all the successful transactions I have had and combing over the best experiences that I believed have been had either on the buying and or selling side. The smoothest of transactions that I have seen is where the buyer and sellers have been flexible. 

Now I am not saying the buyer asking for money back and the seller said yes. Or the seller has come to the buyer and said I am taking all the appliances. I am talking about we need another day or two here to move out, or we need extra time on our loan. And instead of fighting it, the happiest of buyers and sellers evaluated what would work for them and we worked it out!

I always say it is either time or money and often times that is really all most of the transactions boil down to. But…

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400+ Free Stress & Anxiety Illustrations - Pixabay

Are you thinking of buying? have you heard it is stressful? It does not have to be. There are some simple ways to make the experience a good one maybe a little nerve wracking but should not be keep you up at night! Here are some simple tips. There are more but let's start here.

Buyers first make a mental note or written list of three non-negotiables and three "would love, but could live without". For example here in Santa Cruz it might be anywhere Santa Cruz, and three bedrooms and the home must be in fairly decent condition. And three "would love but could live without." Would love to be in the city of Santa Cruz, near a school and a big yard. The idea is to understand what you can live without because in all my buyer consulting conversations I…

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As a local agent I see out of area agents selling homes here and I think what are those buyers doing? Why are they not using a local agent! But as a listing agent I see some fantastic offers come across my desk from out of area agents and they are good offers with very small details. Their offers are clean, what does that mean it means there are no gotcha's little details put on the offer that can become big problems. The buyer has a house to sell, the buyer wants the refrigerator but not the stove. Which on it's face is okay but when it gets to closing time it can be a hassle. They want lots of time to do inspections and other details. These become items that have to be monitored and it stresses out the seller. 

Also a lot of the local agents…

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 I have an adorable listing up in the Santa Cruz mountains. And it is priced below $500,000 this is a popular price range for buyers, understandably so as it is affordable. At this price point it is probably better than renting.  And I get a ton of calls from very hopeful buyers and I feel like I'm somehow put in some position to educate them on what this home at this price point in this area really truly means. There is a bit of reality that needs to be understood in this price range I want to bridge the gap of reality and fantasy. 

I don't want to tell people they cannot get what they want in fact it's one of the worst parts of my job besides telling them there's something horribly wrong with a beloved property.  I do want people to understand…

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