If you are ready to move to Santa Cruz and have the luxury of time on your side, you can plan the timing of your purchase carefully in order to get the best deal. The timing of your purchase could end up saving you thousands on the purchase price of the property. Remember, your goal is to approach the seller when he is the most motivated to accept an offer, even if it is less than he wants.
Plan Around Vacation Season
When vacation season hits, the Santa Cruz region is flooded with people. Some of these people are not only on vacation, but also looking to buy property, whether for a permanent move or a vacation home. The market is flooded with interested people. This is not a good time to make a low offer on a property. High vacation season in Santa Cruz is mid-June to mid-September.
On the other hand, you may find that there is less interest in the market during the low season, from mid-September to mid-June. After the vacationers have left and have forgotten about the sand and sun, home sellers may have a harder time finding an interested buyer, particularly if they are selling beachfront property or a vacation rental. This is the time to enter the home buying scene.
Plan the Day of the Week Carefully
Believe it or not, the day of the week that you make your offer makes a difference. Most buyers have open houses over the weekend. This means the end of the week is a bad time to make an offer on a home, because the seller is looking ahead to the potential buyers he will see over the weekend. Also, many offers tend to come in over the weekend, so he may not look at your low offer in hopes that something better will come his way. However, by Tuesday he is getting discouraged because no good offers came over the weekend. This is the time to step in with an offer, even if it is a little low, because the seller is motivated. He does not want to go through the hassle of another open house weekend!
The Beginning of the Month Is Golden for Buyers
On the first of every month, nearly every seller in Santa Cruz is doing the same thing: writing out a mortgage check. That painful reality is very motivating to sellers. They want to stop paying that mortgage, particularly if they have already moved out of the property. This is the time to make an offer!
Timing and the Financial Markets
Timing your Santa Cruz home purchase around the financial markets is difficult to do. If interest rates are low, you should move in and get a home. Do not try to wait for them to drop further, because predicting what the market will do is nearly impossible. Remember, you can lock in a loan at one rate, and then switch to a different lender if rates do happen to drop. If you wait to lock in a rate, you will risk facing an increase in interest rates.
If your Santa Cruz home becomes mold-infested, you will need to take action. Mold likes to grow in damp environments, and the close proximity to the coastline makes many Santa Cruz homes the perfect place for toxic mold to grow. Not all molds are dangerous, but toxic mold can cause serious health problems and make it difficult for you to sell your home when the time comes.
What Is Toxic Mold?
Toxic mold is a dangerous type of black mold that sometimes grows in homes. Mold reproduces by sending spores into the air. The spores that are released by toxic mold are called mycotoxins, and they can interfere with DNA replication in your cells. This can lead to serious health problems including several types of cancer. It can also irritate allergies and cause a variety of respiratory problems.
Where to Find Mold
Mold thrives in room temperature environments that are slightly moist. Mold will grow on surfaces like wood, tile, grout, plaster, paint, and even some fabrics. It spreads quickly, and it is best to deal with it before it invades many areas of your home. You can find mold in basements and crawlspaces, in air conditioning duct joints, behind wallpaper, underneath washing machines, in poorly ventilated bathrooms, in closets, and under carpets or other upholstery. It can also be found in or around appliances that are typically moist, such as your air conditioner or refrigerator.
Identifying Toxic Mold Symptoms
Unfortunately, you may not be able to spot toxic mold before it begins to affect your family members. Remember, toxic mold can cause serious health problems in otherwise healthy people, and you cannot see the spores that cause these symptoms. You need to watch for toxic mold symptoms, which include:
If you spot these symptoms unexpectedly, consult a doctor and start looking for toxic mold.
What to Do About Toxic Mold
If you find toxic mold in your home, you may be able to clean it yourself. Areas of mold that are smaller than three square feet can be cleaned with bleach and water. Spray the area with a bleach and water solution, and then allow it to dry thoroughly. Then, make sure that you add windows, vents, ceiling fans, or dehumidifiers to the room in order to keep a new batch of mold from developing.
If the area of mold infestation is larger than three square feet, it will have to be dealt with by a professional mold expert. You may need to have the mold tested to determine if it is, in fact, toxic mold. If you do have toxic mold in your home, you will have to disclose this fact to any potential buyers if you are going to sell your home.
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