Buying a home in Santa Cruz can be an exciting yet complex process, with many factors to consider. As you explore the articles and resources available, you'll gain valuable insights into the local real estate market, including current trends, pricing, and neighborhood profiles. You'll learn about the unique charm and character of Santa Cruz, from its stunning beaches and vibrant downtown to its diverse neighborhoods and strong sense of community.

The articles below will guide you through the home buying process step-by-step, from questions to ask when buying a house, what is earnest money when buying a home, buying a home before selling, buying a house from a different state, buying land and building a home, buying your first investment property, getting pre-approved for a mortgage to making an offer and closing the deal. You'll discover tips for working with a real estate agent, negotiating effectively, and navigating the ins and outs of deposits, inspections and appraisals. Whether you're a first-time homebuyer or a seasoned investor, these resources will provide the knowledge and tools you need to make informed decisions and find the perfect home in Santa Cruz.

With its natural beauty, thriving arts and culture scene, and laid-back lifestyle, Santa Cruz offers a truly special place to call home. So dive in, explore the possibilities, and take the first steps towards making your dream of owning a home in this incredible coastal community a reality. Free Buyer's Guide!

The rate on 30-year fixed-rate mortgages has fallen to 6.17%, a new low for the year.  This decline is largely influenced by investor expectations of future Federal Reserve rate cuts, as a weakening job market is seen as a greater concern than inflation.

Refinancing Surge

Homeowners have responded to the lower rates in a big way. Mortgage refinance applications surged by 58% last week compared to the prior week and were up 70% year-over-year. Nearly 60% of all mortgage applications were for refinances. The average refinance loan size reached a record high of $461,300, the highest in the 35-year history of the Mortgage Bankers Association's survey.

High Demand for Purchase Mortgages

Requests for purchase mortgages have increased for the second…

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Overhead view of homes in Los Feliz

Los Feliz has long been one of Los Angeles’ most desirable neighborhoods. With its tree-lined streets, historic architecture, proximity to Griffith Park, and vibrant mix of culture, it’s no wonder that so many people dream of calling this area home.

But as exciting as buying a home in Los Feliz can be, the move itself often creates challenges. From navigating narrow streets and steep driveways to ensuring valuable items are protected, relocation is not just about getting from point A to point B. It’s about safeguarding your new investment and setting the right tone for your life in a new home.

This is why many homeowners turn to professional Los Feliz movers—specialists who understand the unique logistics of the neighborhood and provide peace of…

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Home with a 3 car garage

Image Source: Pexels

Whether you’re a seasoned veteran or a newbie in the real estate industry, you likely have already experienced how dynamic the sector can be. With the first half of 2025 already behind us, there have been a wide range of market fluctuations that have challenged the way traditional real estate processes are carried out.

With the introduction of new advanced technologies, quickly shifting seller and buyer preferences, and the availability of more personalized real estate services, there are many reasons why following new trends is essential for anyone wanting to buy, sell, or market new properties.

Below, we’ll cover 12 trends that have emerged in the real estate sector throughout 2025 and are expected to continue for the…

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Young Couple looking over paperworkImage via Freepik

Shopping for a home warranty isn’t just another task to tick off your list. It’s a decision that can bring genuine peace of mind or trap you in fine print battles you never anticipated. Too many buyers rush, distracted by prices or flashy promotions, and miss the quiet details that decide if a plan will truly help. A better way is slower, clearer, and deliberate: weighing coverage, cost, and credibility until the right choice feels undeniable. Read closely. Choose wisely. Eliminate every reason to second‑guess later.

Inside this Article:

  • Assess Your Coverage Needs
    • Understand What’s Included
    • Research Providers Carefully
    • Compare Costs and Fees
    • Beware Common Missteps
    • Read Contracts Closely
    • Use…

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Santa Cruz CA Homes overlooking the ocean

If you’ve been eyeing the Santa Cruz housing market lately, you’ve probably felt it: things aren’t moving like they used to. Homes are sitting longer. Inventory’s climbing. And buyers? They’re finally catching their breath.

So, what does all this mean? Are we officially in a buyer’s market? Let’s break it down, using the latest numbers—and more importantly, let’s make sense of what it means for you.

Inside this Article:

  • More Listings, Less Rush: Inventory Keeps Growing
    • Homes Aren’t Flying Off the Market Anymore (And That’s Okay)
    • Different Speeds, Different Deals: Not All Neighborhoods Are Equal
    • Mortgage Rates Are Still a Hurdle in Santa Cruz
    • Santa Cruz Home Pricing Is Changing—Here’s What Sellers Need to Know
    …

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Introduction

Buying a new home is one of life’s most exciting milestones — but stepping across the threshold doesn’t automatically make it feel like yours. It takes time, intention, and often a few personal traditions to truly make a house feel like home.

Whether you're a first-time buyer or settling into your forever home, the transition from “new place” to “personal sanctuary” doesn’t have to involve expensive renovations or dramatic makeovers. Sometimes, it’s the small, consistent rituals — a morning routine by the kitchen window, a cherished heirloom on the shelf, or a simple wooden cutting board used to prepare Sunday meals — that quietly infuse a space with meaning.

This post explores five rituals that help homeowners feel rooted,…

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View of Ocean-front homes along the coast

Adobe stock

Buying a home along California’s Central Coast is a dream for many, and Santa Cruz County, with sought-after communities like Scotts Valley, Los Gatos, and the San Lorenzo Valley, sits high on that dream list for good reason. From charming coastal neighborhoods to the towering redwoods and lively downtown scenes, Santa Cruz offers a vibrant lifestyle. But to turn that dream into a reality, preparation is key—and that starts with understanding the mortgage pre-approval process.

Paul Burrowes, a seasoned Realtor® who has spent years helping buyers and sellers navigate the Santa Cruz County market, knows first-hand how important it is for clients to start strong. Pre-approval sets the stage for a successful home search and gives buyers…

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How to Navigate Mortgage Rates

Buying a home in 2025 may feel like a roller coaster. If you're trying to buy a home in Santa Cruz—or anywhere in California—you've probably noticed the market feels a little...off. One week, mortgage rates are steady. Next, they're up half a point. And now, with the 2025 U.S. tariff proposals rolling out, things look even more unpredictable.

Inside this Article:

    • How Will the 2025 US Tariffs Impact California Real Estate?
      • Mortgage Strategies for Rising Home Prices Amid Tariffs
      • Tips for First-Time Homebuyers
    • Managing Mortgage Payments During Tariff-Driven Inflation
    • FAQs

These new policies include a 10% baseline tariff on all imported goods, with even higher rates for select countries. While…

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Buying Your Dream Beach Home

Santa Cruz is more than just a beautiful coastal city—it’s a lifestyle. From the iconic West Cliff Drive to the charming Capitola Village, this area offers some of the most sought-after beachfront properties in California. If you're thinking about a beach house in Santa Cruz—whether it's for getting away, living there full-time, or as a smart investment—it's a big step that calls for some serious thought and guidance from local experts.

As a local realtor with years of experience helping buyers in neighborhoods like Scotts Valley, Los Gatos, Capitola, Aptos, Soquel, Watsonville, and the San Lorenzo Valley, I understand the unique challenges and opportunities of this ever-changing Santa Cruz real estate market. I'm here to make this whole thing…

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View from Pogonip to Downtown Santa Cruz

The real estate market is so much more than just buying and selling homes—it's about understanding the stories behind the trends and how they impact the way we live, work, and invest. Currently, one of the most significant talking points is mortgage rates. With rates climbing higher than we've seen in years, affordability has become a real challenge, leaving some buyers hesitant to take the plunge. But that's only part of the picture.

In Santa Cruz County, we're seeing significant changes in what buyers want. Take the rise of remote work: it's made places like Scotts Valley and Santa Cruz popular for people who want both nature and modern life. Also, after the recent wildfires, people are looking for homes that are not only nice but also safe and…

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