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The Sandy Team coordinated a quick sale and a complicated purchase with style and aplomb!
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Welcome > Local Info > Relocating? ...

Request Our Free Relocation Package. Don't Move To Santa Cruz, Capitola and Aptos Without It!

Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the Santa Cruz, Capitola and Aptos, California area.

If you will be moving to the Santa Cruz, Capitola and Aptos area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria.

When you visit, we'll be ready! We will visit the Santa Cruz, Capitola and Aptos neighborhoods and homes that interest you the most.

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you.

Remember: As top Santa Cruz, Capitola and Aptos real estate agents, it's our job to know this area inside and out, and we want to make your transition as smooth as possible.

To get started, fill out the form to request our FREE Santa Cruz, Capitola and Aptos, California Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong...

Are you new to the area? Request our FREE package of Santa Cruz, Capitola and Aptos relocation information. It's our job to help! There's no obligation, and we promise to respond quickly...

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School Reports in Santa Cruz, Capitola and Aptos, California

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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is arguably the world's strangest (and most dysfunctional) kitchen?
A	In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California.
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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
Hello and welcome. We're Sandy Kaplan & Sandy Mason, licensed Realtor® and Broker respectively. We're here to give you honest, friendly, focused, Santa Cruz real estate service. We specialize in residential sales, relocation, beach and mountain properties in beautiful Santa Cruz County and are a local, women-owned business. Sandy Kaplan is currently the President of The Santa Cruz Association of Realtors®. Sandy Mason received "Realtor® of the Year 2004" award from the Santa Cruz Chapter of the Women's Council of Realtors® in December. The difference (really) is...The Sandy Team!

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