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Your Central Coast Real Estate Professional
Debora Sanders
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New Federal Reporting Rules for Real Estate: What Buyers and Sellers Should Know
A quick summary of a new anti-money laundering law that will take effect in early 2026.


Protecting Your Home Against Mortgage Scams
As a longtime realtor and advocate for homeowners across Monterey County, I have heard some terrible stories about homeowners getting scammed, usually when they are under financial stress. Two scams in particular—Equity Skimming and Mortgage Elimination—are targeting homeowners who are trying to stay afloat. Let’s break down what these scams look like and how you can protect yourself and your property. Equity Skimming: Equity skimming happens when a bad actor convinces a str


What Happens When Mortgage Rates Go Down?
When mortgage rates fall, the ripple effects across the housing market can be significant. Whether you're a first-time buyer, seasoned investor, or homeowner considering a move, understanding these shifts can help you make smarter, more confident decisions. Lower rates mean lower monthly payments, which translates to increased affordability. For many buyers, this opens the door to homes that were previously out of reach. A drop from 7% to 6.15% on a 30-year fixed mortgage, fo


A Quick Update for the Monterey County Housing Market - October 15, 2025
A quick update for Monterey County real estate market ending September 19, 2025


Government Shutdown: What It Means for Housing Programs Right Now
Here's a quick breakdown the real estate impact of the government shutdown


The First Rain on the Monterey Peninsula: A Gentle Wake-Up Call for Homeowners
As the first autumn rain arrives on the Monterey Peninsula, it’s a clear reminder that the dry season is ending and it’s time to prepare....


A Quick Update for the Monterey County Housing Market - September 19, 2025
A quick update for Monterey County real estate market ending September 19, 2025


Kitchen Trends: What Buyers Want & Sellers Should Know
Whether you're preparing to list or searching for your next home, here’s what’s trending—and why it matters


A Quick Update for the Monterey County Housing Market - August 13, 2025
A quick update for Monterey County real estate market ending August 13, 2025


Sanctuary, Sustainability, and Style: The New Wishlist
In 2025, the meaning of “home” has evolved beyond shelter and square footage. Today’s luxury buyers are seeking sanctuaries—spaces that...


What is an ADU and how do you build one?
I did an ADU project a couple of years ago. The project took about 9 months from planning to completion. It was worth the effort and I...


A Quick Update for the Monterey County Housing Market - July 10, 2025
A quick update for Monterey County real estate market ending July 10, 2025


What Is a Net Sheet in Real Estate—and Why You’ll Be Glad You Have One
Selling a home isn’t just about the final sale price—it’s about what you actually walk away with. That’s where a Net Sheet comes in. What...


Understanding the Buyer Inspection Waiver in California Real Estate
In California’s real estate landscape, transparency and due diligence are key pillars of a successful transaction. One document that I...


Navigating Fire Hardening Disclosures in California: What Home Sellers Need to Know
Home sellers in designated fire hazard zones have disclosure obligations that impact both buyers and sellers.


A Quick Update for the Monterey County Housing Market - May 28, 2025
A quick update for Monterey County real estate market ending February 2025


Understanding Sidewalk Ordinances in Monterey and Pacific Grove
Sidewalk maintenance and regulations vary across cities, and in Monterey and Pacific Grove, local ordinances dictate who is responsible...


California’s Shift to All-Electric Heating and Cooling: What You Need to Know
Many California cities and counties are taking steps toward reducing carbon emissions and improving indoor air quality with new local regulations that will phase out gas-powered heaters and air conditioners in favor of electric alternatives.


Costa-Hawkins Rental Housing Act- A Short History
This week I'm in Sacramento at the California Association of Realtors conference celebrating the 30 year anniversary of the Costa-Hawkins...


A Quick Update for the Monterey County Housing Market - April 24, 2025
A quick update for Monterey County real estate market ending February 2025
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