• Home
• Homes For Sale
  • Monterey Communities
  • Santa Cruz Real Estate
  • Rio Del Mar Estate/ Seascape
  • Capitola Real Estate
  • Live Oak Real Estate
  • La Selva Beach Real Estate
  • Aptos Real Estate
  • Scotts Valley Real Estate
  • Soquel Real Estate
  • Watsonville Real Estate
• MLS Listing Search
  • Search by City
  • Search by Subdivision
  • Search by Area
  • Search by Zip Code
  • Search by MLS Number
  • Search by Map
• Real Estate Blog
• Buyers
  • Mortgage Calculator
  • Mortgage Pre-Approval
• Sellers
  • Free Home Evaluation
• About

FIND YOUR NEXT HOME by...

CITY

Select a City: No Preference Adult Village Aptos Bradley Capitola Carmel Carmel Valley Del Rey Oaks East Salinas East Santa Cruz County East of Highway 17 Los Gatos Mtns Los Gatos Mtns SCZ Marina Monterey North Monterey County North Salinas Pacific Grove Pebble Beach Rio Del Mar / Seascape Salinas Monterey Highway San Lorenzo Valley Santa Cruz Scotts Valley Seacliff Seaside/Sand City Soquel South Coast South Monterey County South Salinas Watsonville West Santa Cruz County Choose a property type: All Property Types Single Family Residential Condo / Townhome Mobile Homes Multi-Residential Residential Lots and Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

Search Now

SUBDIVISION

Enter a Subdivision:

Choose a property type: All Property Types Single Family Residential Condo / Townhome Mobile Homes Multi-Residential Residential Lots and Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

Search Now

AREA

Enter an Area:

Choose a property type: All Property Types Single Family Residential Condo / Townhome Mobile Homes Multi-Residential Residential Lots and Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

Search Now

ZIP

Enter Zip Code Choose a property type: All Property Types Single Family Residential Condo / Townhome Mobile Homes Multi-Residential Residential Lots and Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

Search Now

MLS #

Enter MLS Number: MLS Number: MLS Number: MLS Number:

Search Now

MAP

Select a Starting Point: No Preference Adult Village Aptos Capitola Carmel Carmel Valley Del Rey Oaks East Of Highway 17 East Salinas East Santa Cruz County Los Gatos Mtns Scz Marina Monterey North Salinas Pacific Grove Pebble Beach Rio Del Mar / Seascape San Lorenzo Valley Santa Cruz Scotts Valley Seacliff Seaside/sand City Soquel South Salinas Watsonville West Santa Cruz County Choose a property type: All Property Types Single Family Residential Condo / Townhome Mobile Homes Multi-Residential Residential Lots and Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

Search Now

FICO score factors in your credit when you buy your Santa Cruz home

Posted by Gregg Camp on Saturday, November 28th, 2009 at 9:44pm.

What factors go into determining your FICO score when you buy a Santa Cruz home?

Buying a Santa Cruz home, factors to consider in your credit

• Payment History- this accounts for about 35% of your score.  Late payments on bills, such as mortgage payments, car loans, credit cards can all adversely affect you. Paying your bills on the agreed time will keep your score from being dinged. If you have a problem with a payment, contact the company directly to help avoid getting reported to the credit bureau.

• Length of Credit History- 15% of you credit score is derived from how long you have had credit. The longer the better as long as it is in good standing. So if you have old credit cards or accounts, use them at times, but don't close them if you don't have to, as that may have adverse consequences. How long you have been a credit worthy customer, show a pattern of responsibility.

• Types of Credit Used- this accounts for about 10% of  you score and can encompass your home mortgage, credit cards,installment loans, and lines of credit.

• Credit Utilization- 30% of your score. The ratio of current revolving debt, how much you owe right now ( usually credit cards) to the total amount that you have available to borrow( total dollar amount of all you can borrow).You can improve your score by paying down or paying off debt to lower their utilization ratio. The closing of accounts can have a negative effect on your credit, so you may want to talk to a credit person or your mortgage broker before you decide if you just want to cut up the card, or close the account.

• Recent searches on your account - 10% this is the part that is affected by how many times you or someone runs your credit. This can be done in response to you signing up for a new credit card, a home store card or getting a new car loan. Any of these inquiries can decrease your score. Applying for lots of credit in a short time can trigger this. Generally the mortgage and loan inquiries don't trigger much negative action.

So that is how your credit score is basically made up. The factors under your control, such as how much credit, how much of it you have used, whether to close accounts have a major impact on how good a rate you will get. Talk to your mortgage broker before you embark on buying a Santa Cruz home as there may be things that need to be cleaned up or improved in order to get you the best rates. A great local I use, is located at www.woodwardoconnor.com

---

---

Leave a Comment

Your Name * Your Email * (private)

Website

Comment *

Submit Comment

Return to Top Email this Page Print This Page

© Copyright 2012 Real Estate Webmasters.
All Rights Reserved. Listings Site Map

Search Listings

• Search by City
• Search by Subdivision
• Search by School
• Search by Zip Code
• Search by MLS Number
• Search by Map

Featured Communities

• Carmel California Real Estate
• Monterey homes for Sale
• Pacific Groves Houses
• Pebble Beach Homes
• Seaside Real Estate for Sale
• Santa Cruz Beach Homes
• Capitola Oceanview Condos
• Rio Del Mar Beach Houses

Buyer & Seller Resources

• Free Home Evaluation
• Sellers' Guide
• Buyers' Guide
• Mortgage Calculator
• Mortgage Pre-Approval

Contact Us Today at

California Coastal Home
Toll Free at 1-855-831-Home( 4663)
Phone: (831) 818-7524

Sitemap

Privacy Policy