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Steve Mast, Owner/Broker
CA BRE # 00648524
3116-B Del Monte Blvd
Marina, CA 93933
Office: 831-384-0422

Fax: 831-384-0583
Cell: 831-601-5856
mastrealty@yahoo.com


    
    

Welcome & Thank You For Visiting Mast Realty


HISTORY
Mast Realty was founded by Robert L. "Bob" Mast in 1974 and operates today through Bob's son, Steve Mast and his son Jared Mast, who continue to serve our clients in the tradition of "Service above self" that Bob was so well known for here on the Peninsula.

AGENTS
We have 4 agents, Steve Mast-owner/broker with over 40 years experience here in our area; Jared Mast, who is 3rd generation with 10 years experience carrying on the family tradition; Yang Son Smith, who has been with us  since 1984 and specializes in Commercial property and Business opportunities, and Edgar "Lee" Murray, who joined us in 2015 with over 35 years experience. Highly qualified experienced professionals with diverse backgrounds that bring a wide range of expertise to our office to better serve your needs. Go to Meet The Team to view their profiles.

OFFICE & STAFF

Sarah Denning is our highly experienced and professional Bookkeeper.
 

Our office is fully equipped with state of the art integrated network of computers and communication systems to handle all your real estate needs. We are members of The Monterey County Association of Realtors, The Multiple Listing Service, Public Record Search services, and Marina Chamber of Commerce. We are also members of the California and National Association of REALTORS and prescribe to their strict Code of Ethics. 

We have worked closely for many years to develop longstanding relationships with Title Companies, Banks, Mortgage Companies, Home Inspectors, Termite Companies, Contractors, and many other resources that will benefit your transactions in many ways.


A family owned and operated firm giving personal attention to each client since 1974.

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Serving the Monterey Peninsula since 1974

SELLERS
WE ARE THE LOCAL PROFESSIONALS! If you're planning to sell your home in the next few months, we offer a FREE MARKET ANALYSIS. This FREE service is designed to help establish your home's current market value. Simply choose Market Analysis and fill out the requested information. We will use comparable sold listings to help you calculate the fair market value of your home.

BUYERS
Click on Dream Home Finder and fill in the requested information. We will contact you with information specific to your request or you can click on the MLS search button and search the entire Multiple Listings yourself which is the most complete and up to date information on the internet. After you have found a property please contact us to obtain further information or to set up an appointment for us to show you the property.

RENTALS & PROPERTY MANAGEMENT
We are a full service property management company with residential rentals, commercial office space, and apartments throughout the Monterey Peninsula, Salinas, and North County.

WE TAKE CARE OF YOUR PROPERTY LIKE IT WAS OUR OWN

Go to Rentals to see our current offerings.

Mast Realty Blog

Marina Rotary Classic Car Show

Mark your calendars for March 23, 2019 to attend the Marina Rotary's 4th Annual CARS IN THE PARK classic car show. Open to all pre 1978 foreign and domestic vehicles and Modern 2 door muscle or special interest vehicles. The event will be held in Marina at the Vince DiMaggio City Park. Go to www.Marinarotaryclub.org for all the details and registration form to enter you car and more details if you would like to be a sponsor.

Buying a Home? 5 Things to Know About the New Mortgage Documents

As part of its mission to reform the mortgage industry in favor of homebuyers, the Consumer Financial Protection Bureau replaced the industry's existing lending forms with more simplified documents. These documents took effect in early October, as part of the CFPB's "Know Before You Owe" initiative.

 

Here are five things to learn about these new disclosure forms.

Four forms become two.

When applying for a mortgage, you used to receive the Good Faith Estimate and Truth-in-Lending Act statements. Before closing, you were given the HUD-1 settlement and final TILA statements.

These days, you only have to worry about two mortgage documents instead of four: the Loan Estimate, which is given to you within three days of applying for a home loan, and the Closing Disclosure, which is sent to you three days before your scheduled closing.

The CFPB says the new forms, which were a few years in the making, are easier to understand and use.

The Loan Estimate helps you better compare loans ...

One of the most important aspects of homebuying, aside from finding the right house for you and your family, is choosing a mortgage that best suits your circumstances.

The Loan Estimate makes it easier for you to compare loan offers from multiple mortgage lenders by giving you a thorough idea of the many expenses related to a loan, including:

-- Your interest rate and whether it's fixed or adjustable.

-- Your monthly payment amount.

-- What the loan may cost you over the first five years.

You get this three-page form with every mortgage application, which helps you make an apples-to-apples comparison among different loans.

... and lenders, too.

Each lender has its own set of origination charges, which include an application fee, underwriting fee and points. These charges are outlined on the second page of the Loan Estimate.

Lender fees are among the few costs over which you actually have control, meaning you can shop around for the source of your home loan. As a rule of thumb, apply for mortgages with at least two or three lenders.

'Cash to close' isn't a mystery.

The first page of the Loan Estimate lists information about the approximate amount of money you should bring to the closing table to seal the deal on your home purchase.

The "Estimated Cash to Close," as it's called on the form, includes the closing costs attached to the loan transaction. If any of the closing costs are added to your loan amount that would also be noted on the Loan Estimate.

The cash to close amount also includes your down payment, minus any deposit you made or seller credits you're given, and also any additional adjustments or credits.

Your closing costs can't vary by much.

The fees listed on the Closing Disclosure -- the form you receive three days before your closing -- may not look identical to your Loan Estimate, but the two documents should be similar.

There are three categories of closing costs: those that cannot increase, those that can increase by up to 10 percent and those that can increase by any amount, according to the CFPB.

Lender fees and the services you aren't allowed to shop for can't increase, while fees for services you can shop for, such as homeowners or title insurance, can increase by any amount. Fees for certain lender-required third-party services and also recording fees can increase by up to 10 percent.

However, if your circumstances have changed significantly since you applied for a mortgage, you will probably be given a new Loan Estimate, which would restart this part of the homebuying process.

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Real Estate News!!!

Latest Realty News from NAR

Research Behind the Scenes at the 2019 REALTORS® Legislative Meetings & Trade Expo: Research Committee

On Thursday afternoon, the Research team presented the committee-directed redesigns and findings of several surveys and data projects to the Research Committee..  The purpose of the committee is to focus on market conditions in the real estate industry as well as developments in the general economy and to identify topics on which research and information is needed with an eye to improving the productivity and profitability of REALTOR® firms, state associations, and local boards, and how that data can be utilized.  The committee is comprised of three state or board association staff, 10 residential specialists, 10 commercial specialists (including 1 auction specialist), one REALTOR® appraiser, one AEC Representative, and 15 at-large members.  The Committee is Chaired by Karen Crowson and Vice-Chaired by Joanne Zettl.

Brandi Snowden, Director of Member and Consumer Survey Research, presented the findings of the 2019 Profile of Home Staging to the Committee.  New this year in the report was a discussion of the impact home staging-related TV shows have on consumer staging expectations.

Amanda Riggs, Research Survey Analyst, spoke about the findings of the 2019 Profile of Real Estate Firms, newly redesigned under a directive from the Research Committee.  The report includes new topic areas, such as career direction after staff leave the firm, and whether the firm utilizes virtual assistants.

Nadia Evangelou, Research Economist, and Jessica Lautz, Vice President of Demographics and Behavioral Insights, presented on a tax study and how the reduced SALT deduction will affect taxpayers by each state.  For more on the reduced SALT deduction, click here >

Research Behind the Scenes at the 2019 REALTORS® Legislative Meetings & Trade Expo: Commercial Economic Issues & Trends Forum

On Thursday afternoon on May 15th, NAR Chief Economist Lawrence Yun gave a commercial update to members.  In his update, Yun discussed opportunities and challenges facing the commercial market in the year ahead.

 

Brian Ball, Secretary of Commerce & Trade for the State of Virginia, spoke about the impacts of Amazon HQ coming to National Landing, Virginia.

For a full summary of the outlook, read the news release >

For the presentation slides, click here >

Research behind the Scenes at the 2019 REALTORS® Legislative Meetings & Trade Expo: Residential Economic Issues & Trends Forum

Bright and early on Thursday May 16th, NAR Chief Economist Lawrence Yun presented his economic outlook on current and forecast trends to members attending the 2019 NAR Legislative Meetings & Expo.  In his update, Yun spoke about challenges facing the economy, as well as positive developments that members should watch for.

 

Also speaking were Danielle Hale, Chief Economist at realtor.com, and Dr. Johannes Stroebel, Associate Professor of Finance at New York University.  Hale gave a market outlook and spoke about affordability trends nationally and on state and county levels, and Stroebel spoke about the effect of a potential buyer’s social network on their desire to purchase a home.

For a full recap of the session, read the press release here >

For the presentation slides, click here >

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Testimonials Page

I have worked with several different RE agents, in the past, but Steve is hands down the best. Imo he is everything an RE agent should be, when I called, he answered, or called back, he made sure every detail within reason, was completed correctly, so in the future, I would not be disappointed. Above and beyond, I cannot say enough, because a mere thank you is somehow still inadequate. Steve made it a great experience, understood our perspective, and explained, what we didn't understand, about others perspective. Jane and I thank you so much Steve, and are glad that we found an agent that actually cares about doing it right. We are very lucky to have found Steve, as I know the difference between, an agent working to get it right, or the alternative of, just wanting to get paid, and move on. Sincerely John and Jane
Hi Steve, I wanted to thank you, for all the help you have given me through the years. You are wonderful to work with and you have always been so nice to my Dad through the years. You are the only person we will ever work with. Thank you. Sue
Steve, thank you for your help in getting our transaction completed. Good thing we had you to guide us through. Don
How nice it was working with you and we so appreciated your guidance in getting through the paperwork. Thanks so much! Fondly, Jerri
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