Issue link: https://www.ifoldsflip.com/i/807117
SANTA CRUZ SENTINEL WHO'S WHO IN REAL ESTATE THURSDAY, MARCH 30, 2017 15 Jo-Ellen Smith Realtor ® | calBRE #01341240 831.247.9600 With over 15 years experience in residential sales, Jo Ellen Smith is well versed in the process of closing one chapter of life and moving forward with another. Her extensive knowledge of real estate in the Santa Cruz area allows her to identify properties that match a wide-variety of lifestyles and preferences. Most importantly, however, is Jo Ellen's commitment to fostering memorable experiences through sterling personalized service. As a local realtor, Jo Ellen is committed to facilitating smooth, valuable transactions with a comprehensive suite of resources to navigate the client journey. For clients looking to sell their property, she leverages her innovative marketing skills along with Bailey Properties' reputation as the area's top real estate company to target potential buyers with up-to-minute technologies, guaranteeing optimal reach. Degreed in landscape design no detail — especially the exterior of one's property — will not be overlooked. The sense of natural beauty is what the coast is known for and this added value brings properties to life. A parent herself, Jo Ellen provides buyers with valuable, inside information they need to know so they can find their ideal home located in coveted school districts. Professionalism & Communication- 5 STARS My family moved into our dream home yesterday and it's all thanks to Jo-Ellen! This was our first time buying a home, but Jo-Ellen made it so easy. Her experience and advice on what to look for when checking out potential houses helped relieve so much of our anxiety going into the home-buying process. After spending months searching with us in a very difficult market, Jo-Ellen found us a home that had everything we wanted (and so much more) that was just minutes from our offices! Everything after that, from writing the initial offer, scheduling inspections, negotiating with the seller's agent, helping with financing, etc., went so fast and smoothly that you'd swear Jo-Ellen must actually be a team of 5 people! But no, she's just that good. We really cannot thank Jo-Ellen enough! Shirley and Zack Suzanne Teixeira RealtoR ® Bailey Properties, Inc. 9119 Soquel Drive Aptos, CA 95003 Cell 831.345.2060 steixeira.re@gmail.com www.suzanneteixeira.com CalBRE# 00923308 your mortgage. However, if put- ting 20 percent down will deplete all of your savings and leave you with no financial reserves, it's probably not in your best interest. What's more, you can cancel your PMI once you've built equity of 20 percent in your home. Don't assume the dream of home- ownership is beyond your reach. Get savvy! ere are numerous programs and products available that can help you afford your down payment and beyond. f o t o L i a . c o m