Bjjb magazine february 2014

BJJB magazine Reflection of the Properties that Make Santa Cruz LIFESTYLE Great!

OurValentine Favorites

Build Your Dream Home Market Report Feb

1Â

LETTER TO READERS

Dear Reader,

BJJB magazine Anyone that knows me knows the I am wildly infatuated to chocolate and Josh is a huge fan of Almond Rocca.

Brandi and Josh here for BJJB magazine!

As you know, that is our initials Brandi Jones and Joshua Bacorn = BJJB. It is February and so far 2014 is awesome. We are moving into the Chinese year of the wood Horse and out of the water Snake. In other words we are moving out of the dark into the light– strong and powerful. Our January resolutions have been humming along.

I, Brandi, have been teaching a class on goals and values and it has been quite a success. When identifying someone’s core values and basing work goals around them it’s extremely powerful, emotional, and vulnerable. Thank you to those of you who are brave enough to be vulnerable. This month Josh and I kicked off a series of Agent Appreciation Brokers Tours. It was a great success for the agents. We featured Lula’s chocolates in Monterey.

Since January was so warm it made it easy to see some of mother nature including Ano Nuevo and Mavericks. The famous elephant seals were at Ano Nuevo in full force. I found it very interesting that the elephant seals don’t travel together, they are solo animals. They are deep sea divers and they always come back to the same beach. Also this years 2014 Body Glove Mavericks Invitational offered big waves and fun surf to watch, I don’t have the “blank” to surf those waves.

We had a blast in January and are looking forward to February 2014. Hope you enjoy this issue!

Sincerely,

2

LENDER’S VOICE

BJJB magazine

What’s Up With This Ryan ?

Hi, Ryan here, I would like the opportunity to review important changes impacting the current consumer. 2014 brings precise rules and perpetual changes which are designed by the Fed to ensure borrowers have the ability repay loans. The news of these changes have scared many people and they call me saying “What’s up with this Ryan?” Let me break it down for you. The changes are not as scary as they sound.

Let’s begin back in 2010 when the Dodd Frank Act created the Consumer Financial Protection Bureau whose main mission is to make sure that all mortgages can be repaid.

Financial regulators have swung ultra conservative, pushing for controls to avoid the excesses that led to the recent real estate crash. Therefore, the new Consumer Financial Protection Bureau pushed for a lower debt-to-income ratio (which is your total monthly debt divided by your total monthly gross income). Under the new “Ability-to-Pay Rule,” borrowers cannot exceed a 43% debt to income ratio Most Jumbo loans, greater than $625,500, require a 43% DTI. Whereas most conforming loans, less than $625,500, can still go as high as 50% DTI. Furthermore, borrowers must prove financial standing, with current paycheck stubs, credit and housing history, employment status, and asset statements.

Another new 2014 mortgage rule states lenders must provide what the CFPB calls a “qualified mortgage.” QM by definition, lenders must: limit points and fees to not exceed more than 3% of the loan amount, no longer offer terms that extend beyond 30 years, promote “teaser rates” that are interest only, or are based on similar risky terms like negative amortization schedules that eventually lead to significantly higher monthly payments.

Our best advice: Let us help you to be aware of the rules and pay attention to what you can afford in this tight market. Providing a down payment and positive credit history will still be a key aspect to securing a historically low mortgage interest rate. Again, your debt to income ratio is the deciding factor as to whether you’ll be approved for a mortgage or refinance. By law, the new mortgage rules require us to ensure that you are financially able to make your mortgage payments and it’s all based on keeping your housing costs reasonable in relation to your income, and other debt obligations. If you are looking to purchase a house, or refinance your current home, let us help navigate you through these financial waters and best prepare your family from A to Z. At Opes AdRyan Buckholdt Mortgage Advisor visors, our teams of skilled experts are masDRE 01196245 | NMLS 319442 ters in the loan industry and we take careful www.ryanbuckholdt.com consideration of all your financial goals.

831-425-TEAM 3

ITEM OF VALUE

BJJB magazine

4

Build Your Dream Home Can’t find a home on the market? Then build one!

118 & 127 Burlwood Dr., Scotts Valley Been in multiple offers, can’t find the right house, or tired of renting...then here is a golden opportunity. 2 lots in a highly desired neighborhood in Scotts Valley because of the great neighbors, easy commute to Silicon Valley, and high rated schools. These lots are your canvas.

Build a craftsman, modern design, or a vintage mid-century modern home. We have the best designers, architects, and contractors at our finger tips to assist you through the process. Live the life you deserve and build your dream home and settle in a warm sunny great neighborhood.

Each lot has a land use report. 118 Burlwood is over 14,000 sq. ft. and offers great views of Scotts Valley. 127 Burlwood is corner lot over 17,000 sq. ft. and has all utilities and is mostly flat. Call for more information.

5Â

Savant Surfer

338 Geoffroy Dr, Santa Cruz Cool Video Have you always wanted a beach home but didn't want to deal with the Coastal Commission, engineered sea walls, and foundation concerns that other beach front properties have to deal with...well here it is. This home that is steps to Sunny Cove, around the corner from Twin Lakes Beach, and cruising distance to the Harbor. It gets better though...this home was recently masterfully renovated by local stars such as Perry Wiget Homes, Plumbed Elegance, Lydia Lyons Design, and Dreamscape Landscaping. Their vision was to bring you a modern and handsome beach retreat that is technologically savvy and energy efficient. The home is run by state of the art Savant Technology Systems where you can run the home from the touch of your finger on your iPad or iPhone. The home features high end touches from solar panels to imported Italian fixtures, walnut floors, and fossil filled limestone counter tops. You cannot help but feel pampered and rejuvenated in this home as you the heated bathroom floors caress your feet, the ocean reflections bronze your checks, and a steam shower melts your cares away. You are steps to surfing, paddle boarding, tide pools, and frolicking on the beach.

6Â

Steps to Sunny Cove

BJJB magazine

Modern Style On the weekend go to the end of the block and pick up fresh veggies and food at the farmers market. Skip to the Crows Nest for cocktails or catch a sunset boat cruise from the Harbor. Finally, you can savor in your financial investment as you will have the last vacation rental permit in the area.

Go to www.338geoffroysantacruz.com



Huge 7928 sq. ft. corner lot w/ natural landscaping



3,418 sq. ft., 4BR/4 BA** room for 5th bedroom



Vacation Rental Permit



Steps to Sunny Cove Beach & Twin Lakes Beach



Close to Harbor, Crow's Nest, Kind Grind, and Farmer's Market



Surf or Paddleboard from Sunny Cove



Pampering Master Bathroom



High Tech home renovation in 2012



Chef Style Kitchen



Doesn’t Require Flood Insurance or Engineered Sea Walls



Solar Panels

Relaxing

7

BJJB magazine

8Â

VALENTINES DAY

BJJB magazine

Our Favorites

Josh and I have some favorite people we like to support and we feel that you should know about them when you are considering a Valentine’s Day event. These folks are local and we love supporting our local artists and businesses.

Silpada: One of our dear friends sells Silpada jewelry and we love supporting her. Candace Harding is willing to share her love of style and jewelry with you at anytime.

Shadowobrook: Ted Burke is a remarkable supporter of community events.

Brandi worked there to put herself through UCSC and start her real estate career. The Shadowbrook is by far the most romantic place year round.

Lula’s: From Monterey, they are the best chocolate locally that I have eaten. I can’t even keep it near me or I will eat it all at once. We have featured their chocolates at open houses and hands down everyone eats more than one piece.

Art: We are featuring a local friend’s art, Charis DeRemar. She now lives with her family in Hawaii but we think you will like her style.

Zinnia’s: For any gift at anytime, this is the place to go. They feature local artisans and have very unique items that are fashionable, stately, and stylish. Josh and I love this store.

127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 9

VALENTINES DAY

BJJB magazine

Silpada

Candace Harding is a Style Consultant with Silpada designs. If you are familiar with Silpada you know the quality and style that Silpada offers with almost 50 pieces there is something for everyone. Also with a Lifetime warranty what have you got to lose.

You cannot get that in any retail store. Not to mention the customer service that Candace/Silpada offer their clients.

Candace recently moved to Santa Cruz County and wants to get to know you. Host a show with her and the hostess receives on average $300 in free Bling.

Fall in Love with Silpada: Did you know spending time with girlfriends is good for your health? Or getting your loved one a beautiful piece of jewelry says shouts “I love you!” Whether you buy her a gift or you set your self up with time to spend with the girls having a jewelry party, Silpada will be the perfect match. Call Candace now and see how she can help you love someone today!

What’s even better than partying with your girlfriends? Catching up WHILE scoring some FREE jewels!

Find her @ Candace Harding 650-465-2456 www.mysilpada.com/Candace.harding Candace.harding@sbcglobal.net

127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 10

VALENTINES DAY

BJJB magazine

Shadowbrook

127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 11

Shadowbrook, was the place that Brandi worked for years to put herself through UCSC and when starting her real estate career. “What I love the most is how romantic the restaurant was year around. It is a destination location and people came for all reasons of celebration.” Since it opened in October of 1947 with a theme of Romance in Dining, it has been the most romantic place to dine in the entire Santa Cruz area and was recently designated one of the Top 100 Most Romantic Restaurants in all of America by the 5 million voters of Open Table. The only time the Shadowbrook had to enforce a lock down on food was when Brandi was there, and you guessed it, her favorites were the mud pie and chocolate truffles. Great people still work there, some have been there for over 20 years. This year’s Valentines Day is on a Friday, so the weekend is a perfect time to come visit the iconic cable car.

There is so much to chose from on the menu from wood fired oven pizzas to the scrumptious baked brie. Fresh fish and the wonderful lamb are mouth watering as well. Pat the bartender will tickle your throat with your fancy, but loves to impart knowledge from wine to whiskey. There is no lack of entertainment when Joe is playing his soulful songs in the lounge.

This is THE MOST ROMANTIC place in the area for Valentines Day or any day of the year!

Find them @ https://www.facebook.com/ shadowbrook.restaurant http://www.shadowbrook-capitola.com/ home/home.php

VALENTINES DAY

BJJB magazine

Lula’s Lula’s: Seriously, I ate 10 pieces in one day.

This is such good chocolate I think that it should be illegal….jk. I really recommend this company for gifts, treats, or just a visit.

They are located in Monterey and will make fresh chocolate for a company event, a special occasion, or for special order. All made from grandma Lula’s secret recipe, don’t pass them up! Coming from the # 1 chocoholic in town, they get 2 thumbs up!

Find them @ https://www.facebook.com/ lulaschocolates http://www.lulas.com

127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 12

VALENTINES DAY

BJJB magazine

Zinnia’s Zinnias: Josh had the pleasure of stumbling upon this great store when he wanted to support the local owners. He met them while he worked at Wells Fargo in Scott’s Valley. He has always admired their store and desire to feature local artisans.

Here is what they feature: TREASURES AND GIFTS FOR EVERYONE

        

Women's apparel Jewelry Brighton® jewelry, handbags, and more!

Baby clothes, blankets, and gifts Handbags & wallets Candles galore!

Seasonal and holiday decor Crabtree & Evelyn® Baggallini travel and organizer bags Books for all ages and interests Look them @ https://www.facebook.com/ ZinniasGiftBoutique http://zinniasgiftboutique.com/

127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 13

VALENTINES DAY

BJJB magazine

Art

Charis DeRamer is a local artist who portrays emotions, touch, and color.

I love her art and somehow it keeps making it’s way into my life. Charis states, "My paintings are about being fully lost in something, about dreaming. They are supposed to capture those poignant moments of human emotion, comfort, inspiration, those when we feel most alive. Sometimes it's the beauty and emotion in the quiet moments. I seek to create beauty, mystery and narrative, calling you to wonder and be inspired to make up the rest of the story behind the picture in your own mind."

Charis grew up in beautiful and strange Santa Cruz, CA. More of a math and English girl in her early days, she said to hell with her high school guidance counselor's advice and went on to explore her true passion at Art Center College of Design in Pasadena. She now lives with her family in Hawaii. You can order her art online.

Find her @ http://fineartamerica.com/profiles/ charis-deremer.html https://www.facebook.com/ CharisArt http://www.gracefuldreamer.com

127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 14

NEWSLETTER

BJJB magazine

15

NEWSLETTER

BJJB magazine

16

NEWSLETTER

BJJB magazine

17

OTHER LISTINGS

BJJB magazine

Sold 1445 WHARF RD, $1,200,000 2BD/2BTH

Coming Soon 681 HARBOR COVE, SANTA CRUZ 3 BD/2.5 BTH

Pending 147 RIVER LN, FELTON

$515,000 18

3BD/3BTH

OTHER LISTINGS

BJJB magazine

Pending 200 LUPINEVALLEY RD, APTOS $1,050,000 3BD/3BTH

Active 118 BURLWOOD DR, SCOTTS VALLEY –vacant lot $450,000

Active 127 BURLWOOD DR, SCOTTS VALLEY– vacant lot $500,000 19

For more information please go to

WWW.BRANDIJONESREALTOR.COM WWW.JOSHUABACORN.COM

]ÉÇxá

BRANDI

JOSHUA BACORN REALTOR, BRE#01884101 CELL: 831-818-4321 JBACORN@DAVIDLYNG.COM WWW.JOSHUABACORN.COM 2170 41ST AVE, CAPITOLA, CA 95010

REALTOR, BRE#01385191 CELL: 831-588-5145 BJONES@DAVIDLYNG.COM WWW.BRANDIJONESREALTOR.COM 2170 41ST AVE, CAPITOLA, CA 95010

SALES ASSOCIATE OF THE YEAR 2010,2011, 2012

PRESIDENT CLUB CHAMPION 2012

20