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Home Buying in Santa Cruz : Real Estate Advice

  • All163
  • Local Info11
  • Home Buying44
  • Home Selling5
  • Market Conditions10

Activity 42
Sat Dec 10, 2016
Whiterhino7557 answered:
Is 3550 North Duke Fresno California 93727 is that one a co-op or is it in foreclosure
0 votes 7 answers Share Flag
Sat Dec 3, 2016
Joseph Kong asked:
Is there any Chinese speaking agent in Santa Cruz?
0 votes 0 Answers Share Flag
Sat Sep 3, 2016
Deven Siggins answered:
HI Carolyn. Did the seller ever come around after your letter? Did your agent ever find out what happened? That is some bad mojo for the seller if she accepted a higher offer after accepting your offer. Good News however, housing prices are leveling out and we are seeing more contingent offers being accepted on the market in the Santa Clara and Santa Cruz Counties. I am sure if you have a good downpayment you will find another home. I wish you luck! ... more
0 votes 2 answers Share Flag
Thu Jun 9, 2016
Sally Grenier answered:
Not sure I understand your question. You're putting $75K down on a purchase price of $350K? And you only make $2,000/month? Let's say your rate is 3.75...your payment is going to be roughly $1560. That's 78% of your total income!!! So no. Your DTI (debt to income) ratio is way too high. ... more
0 votes 1 answer Share Flag
Wed Feb 24, 2016
Sally Grenier answered:
Unfortunately, what's done is done. However you could go back to the lender who made the mistake and ask them to refinance your loan for FREE to a lower rate. It might be a long shot, but if you complain loud enough, and keep going up the chain of command (to the loan officer's supervisor, or higher), you just might get someone to take notice. Good luck! ... more
0 votes 1 answer Share Flag
Thu Apr 23, 2015
jvieberg answered:
Big difference in the # of stories, I.e. 1 story ~ $250/ sq. ft., 2 -3 story, $150/ sq.ft.; also in finishing, garage costs ~$75/ sq. ft. As there is no bath, kitchen etc which cost a lot more.
This is in city of Santa Cruz, 2012-14 timeframe.
... more
0 votes 7 answers Share Flag
Sat Mar 21, 2015
Randall Ortiz answered:
I can put you in contact with a builder out there that can help answer your questions. Click on my profile and contact me if you still need assistance.
0 votes 1 answer Share Flag
Sat Mar 14, 2015
Cindy Davis answered:
Check out this site:

This is the best resource out there for school information.
0 votes 1 answer Share Flag
Fri Mar 6, 2015
Sheryl Arndt answered:
Hello Arianna, you may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment Access program. You may consider 3% down conventional from a minimum 620 fico score.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs.

It only takes a few dozen questions to qualify and go over rates and terms of loan program choices depending on your qualifications. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
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9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or

If my response was helpful, consider clicking thumbs up or Best Answer!
... more
0 votes 4 answers Share Flag
Thu Mar 5, 2015
Rich answered:
Anything is possible,, However you should contact a local Realtor..
If you need help raising your credit scores fast to qualify, feel free to contact us.

hope this helps
0 votes 9 answers Share Flag
Thu Mar 5, 2015
Rich answered:
I agree with Sebastian below, the Cal-HFA sounds like an option you'd be interested in.
If you need help raising your credit sores to qualify for the loans feel free to contact us
hope this helps ... more
0 votes 8 answers Share Flag
Fri Nov 21, 2014
I want to buy a new manufactured home in park. Is it wiser to own or rent the space? Advantages or disadvantages?
0 votes 0 Answers Share Flag
Fri Nov 7, 2014
Dan Tabit answered:
Trulia dose not screen for scams. Rental scams are common here and on any site that allows the general public to post. Please be very cautious with deals that seem too good to be true. NEVER send money expecting keys back by mail. Read the scam warning Trulia posts. I've attached a link to it below.
When you find a questionable listing please hit the FLAG button on the listing page to warn Trulia and others.
... more
0 votes 2 answers Share Flag
Thu Jul 31, 2014
Randall Ortiz answered:
I can put you in contact with a local contractor that can better answer your questions. Contact me if you still need help with this.
0 votes 1 answer Share Flag
Wed Apr 2, 2014
Cindy Davis answered:
Mobile homes are by definition moveable....I might suggestion you contact some mobile home sales companies in Santa Cruz or nearby areas for cost estimates....

Good lu k.
0 votes 1 answer Share Flag
Fri Jan 31, 2014
Maggie Barr answered:
My office is about to list a home in Boulder Creek on Highway 9 for around $145k. Let me know if you're interested. It's a distressed property, so you wouldn't be able to get a loan on it. But if you are a cash buyer it would work. We're thinking it will probably sell to an investor who wants to tear it down. It's in a great location between the Burger 9 restaurant and the Country store across the street from the little park and playground., or 831-435-7395. ... more
0 votes 5 answers Share Flag
Thu Nov 21, 2013
Michele Landegger answered:
Hi Nicole,
I am president of Boa Constructor Building and Design, Santa Cruz based. We are a design/ build company specializing in natural building and Zero Net Energy design and construction. I'd be happy to consult with you regarding any projects you may have in mind.
... more
0 votes 4 answers Share Flag
Sat Sep 21, 2013
Cindy Davis answered:
Great Question...but I'm not sure this forum will get you responses from buyers. I have learned the hard way that I don't offer anything up front. When I offered a free home inspection, I had several buyers cancel and I was out the inspection fee.

I always give my buyer some type of gift at the end. That said, I've learned to wait and see what's needed - typically, for instance, I can get a home seller to pay for a home warranty.

Every deal has its own little issues...sometimes I help with repairs, and other times it may be a gift certificate to a favorite restaurant...that way, it is tailored to the needs of the buyer.

Take care.
... more
1 vote 1 answer Share Flag
Sun Jun 16, 2013
Robbie Matusich answered:
Hi Ann,

I am a full time Realtor here in Santa Cruz and live here as well. I have recently researched the Measure O program and looked into other first time buyer and home owner assistance programs in the County. There is some good info out there and our local Santa Cruz Board of Realtors offers a HOA assistance program to those buying a home, where they help pay your HOA dues for 6-12 months.

Also, the Measure O program can offer you details at this city website: Click on the link that reference income and you will see a chart as to how much you can earn to qualify based on # of people per household.

I am working with a few buyers now that are looking to qualify for t, he Measure O program. Unfortunately, our county does not have enough affordable housing but certain programs are available and can offer assistance.

Your best is to call or go in person to the planning dept. at the city on Ocean St. and speak to a person about these programs.

Let me know if you need a Realtor and I can assist you in finding these homes and helping with your application(s).

You can contact me at: cell# 408-531-5542 or office$ 831-662-2486 or email: Thanks and good luck learning more about Measure O.
... more
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