directions real estate

Directions Real Estate specializes in Santa Cruz real estate from Capitola Village vacation homes to oceanfront property to rural Santa Cruz Mountain homes. Whatever your dream, I can help make it happen. I also help homeowners save their credit through two foreclosure alternatives:

Ellen Carter


My Real Estate and Short Sale expertise extends from Northern California to Hawaii and throughout the Central Coast.

I am a Realtor who specializes in Residential & Investment Property, Resales including Short Sales, Short Sale Negotiation and Mortgage Lien Elimination.

From first-time home buyers to seasoned investors, I provide my clients with the right advice needed to serve them over the long run.


With my background years in the mortgage industry, I offer them the added advantage of my insight regarding their financial options. I diligently bridge the relationship gap between realtor, lender and, in this market, the banks.

I offer over 35 years of experience in both sales and business ownership in multiple fields including residential building construction, single family and commercial mortgage lending. As a former Senior Mortgage Banker for a nationwide mortgage corporation, I worked with a broad range of clientele throughout California, Hawaii and 20 other states across the country.

If you are looking for a REALTOR ® to guide you, support you and fight for you along the buying or selling real estate process, contact me or call me today.

Ellen is the short sale professional!! Being a business partner with Ellen, I can say that she is a go-getter and if anyone can get the job done, she can! I have been involved in the financing of several short sale transactions and the transactions that she has coordinated have closed quicker and seamless than any other!! I highly recommend her services.

Andrea S.
Andrea S.Santa Cruz, Ca.

I have worked with Ellen several times on short sales. She knows what she is working with and has a keen eye for details. Made things go smooth for the tranascation and all the sales have close with buyer and seller being happy with the outcome. Thank you Ellen for your professionalism.

Bobbie N.
Bobbie N.Santa Cruz, CA

When I asked Ellen to find me a very specific type of home in a very specific neighborhood for a low price, she must have thought I was crazy. Not only did Ellen place my children and I in a perfect home, she negotiated a wonderful short sale within DAYS! I found Ellen to be highly responsive, full of integrity, and always put my needs above all else. Buying a home with Ellen was a wonderful experience – I can not say enough good things about her talents!

Amy K.
Amy K.Soquel, CA