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Your Central Coast Real Estate Professional
Debora Sanders
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Celebrating Women’s Month: How Women Gained the Power to Vote, Borrow, and Belong
Women’s Month is a reminder of how recently many of the rights we now consider fundamental were won. The right to vote and the right to access credit, mortgage, and loans on their own. Here's a brief history.


Storm Season on the Monterey Peninsula: How to Stay Safe, Ready, and Resilient
Some helpful hints to prepare and protect during winter storms on the Central Coast


What’s Really Selling on the Monterey Peninsula Right Now? A Look at Today’s Market Trends
Here's a look at today's market trends for the Monterey Peninsula


Five Feet to Fire Safety: Understanding Zone Zero
Zone Zero is California’s newest defensible‑space requirement, designed to protect homes from wind‑blown embers—the leading cause of structure loss in wildfires. It focuses on the first five feet around a home. Zone Zero was mandated by Assembly Bill 3074 (2020), but the regulations were delayed as the State Board of Forestry was working on rules and implementation. It's expected to go into effect this spring. So, what is ZONE ZERO?.... It's the zone between 0 to 5 feet fr


A Quick Update for the Monterey County Housing Market - January 22, 2026
A quick update for Monterey County real estate market ending January 22, 2026


2026 FHA & Conforming Loan Limits: What California and Monterey County Buyers Need to Know
Each year, federal housing agencies adjust loan limits to reflect changes in home prices, and for 2026 both FHA and conforming (conventional) loan limits have increased across California. These updates are especially meaningful for Monterey County, where rising home values have pushed more buyers toward the upper end of financing thresholds. The new limits expand buying power, help more borrowers avoid jumbo loans, and create additional opportunities for first‑time and modera


A Quick Update for the Monterey County Housing Market - December 17, 2025
A quick update for Monterey County real estate market ending December 17, 2025


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...
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