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6 WHO'S WHO IN REAL ESTATE THURSDAY, MARCH 30, 2017 SANTA CRUZ SENTINEL SANTA I Have Been Around Real Estate All My Life! I have been involved in various real estate transactions throughout my life. These transactions included management of income property, land development, new residential construction, and sales and purchase of both residential and commercial properties. By nature, I am a creative thinker, friendly, organized and dedicated to everything I start. I am a life learner and enjoy new challenges. Above all, I'm a strong negotiator and dedicated to working with you to help find your perfect property! I LOVE what I do and it shows! Ann Berry-Kline SCCP, E-Pro Realtor Cell 831-332-4042 annkline@baileyproperties.com http://annberrykline.com/ Listed by Linda Bailey Direct: (831) 465-7712 Cell: (831) 818-1944 Cal Bre 01369236 1142 Soquel Avenue, Santa Cruz When you are buying or selling property in today's real estate market, it's important to have confidence in your real estate professional. Linda commitment as your local REALTOR® is to provide you with the specialized real estate service you deserve. When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why my goal is to keep you informed on trends in the marketplace using the latest statistics in your local area. With property values continuing to rise, real estate is a sound investment for now and for the future. As a local area expert with knowledge of the communities, her objective is to work diligently to assist you in meeting your real estate goals. If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call or e-mail Linda. Thank you for visiting Linda's website - please consider it as your online source for local real estate information, and return often the latest property listing updates. From the Mountains to the Sea... SANTA CRUZ is the place to Be! M any Americans start to think about their housing needs this time of year. For some people spring aligns with the school calendar, given the time it takes to find the right home, arrange financing and move in time for the next academic year. For others, an income tax refund, coupled with refinancing a mort- gage, is the way to fund a home improvement project. So how do you find the right loan products and lender? • Research products and terms. Home loans come in two forms: fixed rate or adjustable rate. Fixed rate loans come with terms vary- ing from 10 to 30 years for con- sumers who want the security of consistent monthly payments plus a rate that won't change over the life of the loan. Adjustable rate mortgages (ARMs) typically are offered at a lower rate with an initial term of five to 10 years. "A 30 year fixed rate loan is by far the most popular mortgage prod- uct with borrowers, but ARMs can be a good option if you plan on moving or refinancing," says Craig Evans, Ally Bank's mortgage ex- ecutive. "When we start a dialogue with a potential customer, we'll discuss the various options and suggest products geared toward their specific needs." • Choose a lender focused on your needs. In a crowded mortgage landscape, it's important to find loan experts to help you through BUying OR Refinancing yOUR hOme This spRing? Tips fOR sUccess B y s t a t e p o i n t