SANTA CRUZ SENTINEL WHO'S WHO IN REAL ESTATE THURSDAY, MARCH 30, 2017 7
Thinking outside the box, cottage, condo
multi-res or mansion, is one of the things I
do best!
After 40 years in the business, I have
creatively handled most challenges you
can imagine.
Buy, sell, exchange, remodel, build:
whatever your desire or need, I'll help you
accomplish your real estate dreams!
Call me. I'll immediately
go to work for you!
Kathy Runyon
Broker Associate
831.325.7300
Kathyrunyon.com
kathy@kathyrunyon.com
831-818-1739
kelley@youmansmail.com • KellSellsSantaCruz.com
CalBRE#01327034
Kelley Youmans
Realtor SRES, Presidents Club Champion, WCR
Referrals are always appreciated. I will
provide exemplary service to you and
anyone you refer to me. No one will work
harder for you to get you what you want!
Much of my business comes from referrals
because I believe in treating my clients the
way I would prefer to be treated.
I always negotiate the highest possible
price for my sellers and the best possible
price for my buyers. Call or text me today
to find out how.
Visit my website for:
Client testimonials, Mobile
App, & Listing Alerts
the process. For example, the Ally
Home Team is on hand to help
home buyers through the home
loan experience, from application
to close, ensuring they regularly
answer questions borrowers may
have along the way.
"Service and communications are
the biggest considerations when
it comes to choosing a lender,
whether it's new construction,
buying an existing home, or refi-
nancing," says Beth Foley, broker
associate at Beacon Sotheby's
International Realty.
• Ask your lender what products
fit your needs. For example, Fan-
nie Mae's HomeReady product
may be a good option for first-
time homebuyers and millennials.
Key benefits include down pay-
ments as low as 3 percent, plus
these loans are priced similarly to
standard loan pricing, and flex-
ible sources of funds can be used
for the down payment and closing
costs.
• Establish your limits. Some
lenders provide useful tools to get
you started, such as Ally Home,
a new direct-to-consumer home
loan service offered by Ally Bank,
(www.ally.com). Its Affordability
Calculator helps you analyze your
household income and current
financial obligations to estimate
how much house you can afford.
c o n t i n u e s o n p g 8 . . .
