Shaye Carter

Husband | Cool Dad | Realtor Happy to be your resource for all things Real Estate! Click the link below for a ton of resources! @ShayeSellsSantaCruz IG

[Shaye Carter @ShayeSells]

A seller-funded 2-1 buydown can lower the payment at first.

Before you write an offer, ask what the payment looks like in year three, with taxes, insurance, and HOA dues if applicable.

If it doesn't work, the home may not fit.

Santa Cruz Buyers Guide: https://t.co/CHTefegDYE

[Shaye Carter @ShayeSells]

7/ DM me and I'll flag which Santa Cruz County listings have room to negotiate.

Helping you move smart in Santa Cruz.
Shaye Carter | CA DRE #02105568 | David Lyng Real Estate

[Shaye Carter @ShayeSells]

6/ Two catches. Lenders cap seller credits based on loan type and down payment, and the appraisal still has to support the price. Have your lender run both scenarios side by side before you write the offer.

[Shaye Carter @ShayeSells]

5/ A buydown uses upfront cash to lower your rate. Temporary buydowns (like a 2-1) lower it for the first couple of years. Permanent ones (points) lower it for the life of the loan. Dollar for dollar, a buydown often cuts your monthly payment more than a price cut.

[Shaye Carter @ShayeSells]

4/ 1. Money off the price. It lowers your loan amount and, under Prop 13, your property tax base for as long as you own.
2. A seller credit toward closing costs or an interest rate buydown.

[Shaye Carter @ShayeSells]

3/ Well-priced homes still sell at or near list, from Pleasure Point to Aptos. The leverage shows up on listings that have sat a few weeks. That's where you have two good asks.

[Shaye Carter @ShayeSells]

Santa Cruz County buyers: the market gave you a little more room to negotiate this fall. Here's how to use it without insulting a seller. (thread)

#SantaCruzRealEstate #FirstTimeBuyer

[Shaye Carter @ShayeSells]

2/ SCCAR's August numbers for Santa Cruz County single-family homes: 506 active listings, 127 sales, and 49 days on market (up from 29 in July). That's about 4 months of supply. Not a buyer's market. But sellers no longer hold every card.

[Shaye Carter @ShayeSells]

❤️... A lil pre-valentines appreciation to my wife/rock.

#blessed #santacruz #family #wife #valentinesday #happywifehappylife @ Boardwalk Beach, Santa Cruz, Ca https://t.co/iHUSfISUZ6

[Shaye Carter @ShayeSells]

@ByronLazine So great to see, and my buyers seem to be responding.

[Shaye Carter @ShayeSells]

@ByronLazine Take dual agency and keep the structure. Even though it’s legal here in California, I don’t do it.

[Shaye Carter @ShayeSells]

@neelhome If I didn’t have a family I would choose option B, there’s just too much money to be made. However since I couldn’t imagine life without them I’ll choose A.

[Shaye Carter @ShayeSells]

@HomeListerApp is there someone there that can help with a current listing of yours? I haven’t been able to get a response, and I’m afraid it may cost us both a deal. Thanks in advance! 🤙

[Shaye Carter @ShayeSells]

@ByronLazine I’ve really been loving the hot sheet, I haven’t missed an episode yet, solid start to my day, thanks! 🤙👍

[Shaye Carter @ShayeSells]

@tomferry A plan.

[Shaye Carter @ShayeSells]

Just posted a photo @ Santa Cruz, California https://t.co/0HXrx0VEEO

[Shaye Carter @ShayeSells]

I like this…

[Neel Dhingra @neelhome]

The point of making money is not so you can buy everything.

The point of making money is so that no one can buy you.

[Rob - Fit For Life - Stronger Every Decade @Rob_FitLegacy]

Some coaches will charge you $5,000 up front for a 6 month fat loss plan, then provide little support.

I'll send you a 6 month fat loss plan for free if you:

- Follow
- Retweet this tweet
- Comment "send it" below

Next 24 hours only. Must be following!

[Shaye Carter @ShayeSells]

@joe_portsmouth copy

[Shaye Carter @ShayeSells]

@farshadsarrafi Consistency