🏡 Mortgage Rate Outlook for 2026: What Buyers and Homeowners Should Expect Mortgage rates are finally giving buyers some relief. After climbing above 7% in recent years, rates have eased back toward the low-6% range. In early 2026, the average 30-year fixed mortgage rate sits around 6.1% to 6.3%. That is a meaningful drop from […]

Why Is It So Expensive to Buy a Home in Santa Cruz, CA? Santa Cruz is one of the most beautiful places to live in California. It offers beaches, redwood forests, mild weather, and a relaxed coastal lifestyle. However, all of that comes with a major downside: buying a home here is extremely expensive. So […]

Should I Buy a House or Continue to Rent in Santa Cruz County, CA? Understanding the Financial Trade-Offs If you live in Santa Cruz County, you’ve probably asked yourself this question:Should I buy a home, or does it make more sense to keep renting? With high home prices, competitive demand, and rising rents, the answer […]

How Is the Value of My Home Determined? Many homeowners ask the same question: How is the value of my home determined?If you are thinking about selling, refinancing, or tracking your equity, this is important to understand. Home value does not come from guesswork. Instead, it comes from real data and current market activity. Let’s […]