Rare new construction offered at 4.99% The real estate market often shifts with the seasons, but this November, a notable change is catching the attention of both buyers and sellers. After months of uncertainty and rising interest rates, the recent drop in mortgage rates is sparking renewed enthusiasm among homebuyers. This shift is reshaping the winter market, traditionally slower, into a more active and promising period. Understanding how these lower rates affect your buyin

By Leslie Cruz-Kelly, Your Bay-to-Beach Realtor® Fall is one of the most magical seasons here in Santa Cruz. Between the crisp mornings, colorful leaves, and cozy gatherings, there’s no better time to not only enjoy our community but also to prepare your home for the colder months ahead. If you’re a homeowner thinking about maximizing comfort, lowering energy bills, and adding value before selling, fall is the perfect season for upgrades. And if you’re not moving anytime soon

Santa Cruz has always been one of California’s most unique real estate markets. With its stunning coastline, eclectic culture, strong...

Find out what homes you can lock in for 30 years and 4.99% fixed...