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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Santa Cruz, Capitola and Aptos real estate experts, it's our job to guide you, from beginning to end. 

We will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
Cosmetic Improvements >Kitchen Clutter

The kitchen is usually very important to prospective buyers. Your kitchen may not be new and state-of-the-art, but it should look its best.

Your kitchen should be spotlessly clean and well organized while your home is on the market. The counter tops should be clean and free of clutter, and the floor should shine. Appliances should be clean and in good working order. You may want to add a few decorator touches or replace cabinets, flooring, and even appliances for a small investment. Dollars spent on kitchen improvements usually pay major dividends when you sell your home. If you are planning to sell your home and need some advice in this area, an agent will be happy to discuss your options with you.

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Real Estate Trivia
Q 
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?

A 
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S.
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The Sandy Team, REALTOR®, real estate agents and broker for Santa Cruz, Capitola and Aptos California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Sandy Team
Santa Cruz Properties

100 Doyle Street, Ste H
Santa Cruz, CA 95062
sandyteam@santacruzproperties.com

Sandy Mason - DRE #00761938
Sandy Kaplan - DRE #00921329

We (Sandy Kaplan and Sandy Mason) have been working as a team since 1992. One of us is a morning person, one a night person; between us, we keep your real estate goals on track. Our way of working is... "Tell us your goals, they're our goals too." We are dedicated to continuing education for ourselves and we enjoy educating you about the current real estate market, trends and the Santa Cruz Community. We have been selling real estate in Santa Cruz County for 25 and 30 years and love to use our experience to your benefit. Sandy Kaplan was president of the Santa Cruz Association of Realtors in 2005 and continues to stay involved in local, state and national real estate organizations. She is dedicated to serving our real estate industry. Sandy Mason is a naturalist and if you are looking for rural property, she loves to drive the winding mountains roads in her all wheel drive vehicle with you to find your dream hide-a-way.

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Santa Cruz Properties

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