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22 WHO'S WHO IN REAL ESTATE AND EVERYTHING FOR THE HOME • SANTA CRUZ SENTINEL 2023 Contact me today to discuss mortgage solutions that will put you at ease when purchasing or refinancing your next home. My team and I are committed to a lifelong relationship--a relationship that will not end when escrow closes. I am here for a lifetime of support and dedicated to changing families' lives for the better. I will continue to monitor interest rates and let you know when opportunities arise to improve your current situation. I will be your ultimate resource for mortgage financing and industry information. I know our market. I am experienced and knowledgeable, not only in loan origination, but in recognizing the nuances unique to our area. We all live and have purchased homes here, too! Bringing homeownership to our neighbors and friends through our mortgage products solidifies our communities and revitalizes our neighborhoods. Place your trust in me. Monica Bowman Sales Manager | NMLS #230667 (831) 818-2435 monica.bowman@academymortgage.com academymortgage.com/monicabowman 1500 41st Avenue, Suite #100 Capitola, CA 95010 Corp NMLS #3113 l Equal Housing Lender l Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act l MAC223-1479318 My Commitment to Our Local Community Heidi is a full time professional Realtor representing buyers, sellers and corporate entities alike. Heidi has lived in Santa Cruz County almost all her life, she has first hand knowledge of mountain and coastal living and all it takes to thrive here. Her attention to detail, negotiation skills, communication and dedication to client satisfaction is apparent in every transaction. Our non corporate, boutique brokerage completed 35 million in sales for 2021.We are committed to giving back to our local community. Heidi Hart, Owner/Founder Hart and Associates BRE # 01703922 (831) 247-9410 Certified Property Manager National Association of Professional Women Bay Area REO Specialist, Priority Partner Certified Equator Short Sale Specialist See some of my reviews at .... http://www.zillow.com/profile/Heidi-Hart/ Role...continued from page 9 designers and design-minded build- ers who participated said connection to the outdoors/nature will be an important influence on their design choices in the years to come. In addition, 45 percent of respondents indicated increased attention will be afforded to outdoor entertaining spaces. So what might the outdoor spaces of homes built in the not-so-distant future look like? Respondents to the survey anticipated a growing demand for various built-in outdoor features, including: · Firepits or fireplaces · Outdoor kitchens · Gazebos or pergolas · Pools · Spas or hot tubs Though trends and consumer demands are ever-shifting, architects and designers are anticipating that future homeowners will want more developed outdoor living spaces and greater access to nature, which is something current homeowners can keep in mind when renovating their properties.