Seb Frey the Real Estate Guy
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The Site for Santa Cruz Real Estate
Agent for Thunderbird Real Estate


I have provided a selection of resources that are useful when you are preparing or executing a California Real Estate transaction. The tools and resources provided should be used only for estimation purposes.

Real Estate Glossary: an extensive list of Real Estate & Finance terms.

Mortgage Calculator: an simple on-line calculator to calculate mortgage payment information.

Universal Residential Loan Application: Curious to see what a Home Loan application looks like? Download this Fannie Mae's Uniform Residential Loan Application PDF version.

Buying Your Home - Settlement Costs and other useful information: Provided by Federal Housing & Urban Development Department, this document explains "settlement costs" and provides other useful information for home buyers.

Tax information for First Time Home Buyers: a useful booklet from your friends at th IRS.

California Durable Power of Attorney form: should you need to give someone the authority to sign legal documents in your name, this form ought to do the trick.

Understanding Title and Escrow: a very informative brochure put out by Old Republic Title Company.

Santa Cruz Water District Map: A very detailed map showing which areas are served by the Santa Cruz Water District. Also, just a great map of the city of Santa Cruz, highly detailed.


The following spreadsheets are for use with Microsoft Excel® - Windows or Macintosh

Loan Amortization Spreadsheet: A spreadsheet to calculate loan amortization schedules.

Buyer's Net Sheet: A very useful tool for buyers, this spreadsheet calculates closing costs and monthly payments.

Seller's Net Sheet: Use this to calculate how much money you'll have left over after you sell your property.

Tax Advantages of Home Ownership: another useful too for buyers, this spreadsheet illustrates the tax advantages you enjoy by home ownership.

Investment Property Analysis: Helps you determine Capitalization Rate (Cap Rate), Gross Rent Multiplier (GRM), Return on Investment (ROI), Net Operating Income (NOI), etc.! Very useful for those buying income properties.