How a Lender Decides If You Qualify for a Mortgage: A Monterey County Buyer’s Guide to Income, Debt, Loan Programs, and Local Factors

How a Lender Decides If You Qualify for a Mortgage: A Monterey County Buyer’s Guide to Income, Debt, Loan Programs, and Local Factors If you want to understand how a lender arrives at a yes or no, and how they translate that yes into a concrete number you can spend, there are two truths to hold at o

Tax Basis Transfers: What Prop 19 Means for Monterey County Homeowners Who Want to Move

What Prop 19 Really Means for Monterey County Homeowners Who Want to Move If you’ve lived in Monterey County long enough, you've probably developed a kind of quiet, private fear about property taxes. You don’t talk about it at dinner parties, but you feel it every time you walk past a “For Sale” sig

How to Spend a Rainy Day on the Monterey Peninsula

A Perfect Rainy Day on the Monterey Peninsula When the sky turns slate gray over the Monterey Peninsula and fog pulls itself tight around the hills, the rhythm of life changes. The light softens. The streets empty. Locals walk a little slower, shoulders tucked into their coats, smiling in tacit agre