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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

About Appraisals >Working With A Real Estate Agent It is not unusual for homeowners to yield to the temptation to try to sell their own home. It seems easy enough--just place an ad in the weekend paper and wait for buyers to show up. Although it may seem simple, real estate sales transactions are extremely complex proceedings. The first pitfall can come with pricing your property realistically. Homeowners often price their property too high initially, then drastically slash the price when weeks go buy without an offer. Even if a prospective buyer agrees to the initial asking price, there could be complications if the buyers begin to feel that they have agreed to pay too much, or if the lender's appraisal values the property at far less than the agreed-upon price. Some clients hire agents to market their home professionally after weeks or months of trying to sell their own home without success, or after their FSBO transaction fell through. See All Tips In The "About Appraisals" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  1992 marked the first year since before the Civil War that there were fewer than 2 million ________ in the United States? A  There are fewer than 2 million farms, and agricultural land is still being carved up for residential and commercial uses. See More Real Estate Trivia >

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! 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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