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Real Estate Resources:

• Special Offers - Special offers for Santa Cruz, Capitola and Aptos homeowners from The Sandy Team.

• Affiliates - The Sandy Team's real estate web site affiliates.

• eNewsletter - The Sandy Team's Santa Cruz, Capitola and Aptos newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, California, and United States.

• Market Conditions Report - Market conditions report for this area, California, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Santa Cruz, Capitola and Aptos California mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in California or buy your own Santa Cruz, Capitola and Aptos house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Santa Cruz, Capitola and Aptos mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other California real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask The Sandy Team anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - The Sandy Team's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - The Sandy Team's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Santa Cruz, Capitola and Aptos property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Santa Cruz, Capitola and Aptos Homes, For Home Buyers, For Home Sellers, Santa Cruz, Capitola and Aptos Information, Real Estate Resources, and About The Sandy Team.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Santa Cruz, Capitola and Aptos

Investment Real Estate >The Key to Good Tenant Relations It is important to attract and keep great tenants when you own investment property. A good way to begin a positive tenant/landlord relationship is with clear communication about what you expect from your tenants and what they can expect from you. The written lease agreement spells out the legal obligations of each party. The landlord must ensure that the property is habitable and complies with local codes, and the tenant must pay the rent in a timely manner and not damage the property. Make sure that the terms of the agreement are stated clearly in straightforward language. Let the tenants know of your commitment to keep the property in good repair and of your desire to know about maintenance problems before they become serious. When it's time for the tenants to move, offer to provide a reference letter if they need one. This is a nice way to say "thank you" to them for having maintained the property during the terms of their lease. Good communication can help you to maintain the quality of your investment. See All Tips In The "Investment Real Estate" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Where is the world's largest mud building? A  The Grand Mosque in west Africa measures 328 feet long and 131 feet wide, and has been carefully maintained for centuries by local craftsmen, especially during the rainy season. See More Real Estate Trivia >

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. www.SandyTeam.com is brought to you by The Sandy Team NUMBER1EXPERTS™ in real estate for Santa Cruz, Capitola and Aptos, California, Ocean View Properties, Beach Front Properties Read The Sandy Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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