15-Year vs. 30-Year Mortgages: The Pros and Cons Monterey Peninsula Buyers Should Know

When you buy a home, there’s one question that doesn’t sound dramatic but quietly changes everything: should you choose a 15-year or 30-year loan? On paper, it looks like a simple math problem. The 15-year loan costs more each month but saves you interest over time. The 30-year loan costs less each

What a Property Appraisal Really Means

When you hear the word “appraisal” you might picture a person walking through a house, scribbling numbers, and then telling you how much your home is worth. That image is part of the story, but it hides the deeper importance. On the Monterey Peninsula, where scenic lots, zoning quirks and views matt

Understanding Water Credits on the Monterey Peninsula

If you’ve ever tried to remodel a home, build an addition, or even replace a bathtub on the Monterey Peninsula, you may have heard a phrase that stops projects in their tracks: water credits. It sounds technical, but the idea behind water credits is actually simple. They exist because this region do