Santa Cruz Home Finance
FHA - Reverse Mortgages - Conventional Financing (Purchases & Refinances)
Santa Cruz Home Finance offers Santa Cruz County a complete array of home financing mortgage options from your first time Santa Cruz home loan purchase to your Santa Cruz refinance. Santa Cruz Home Finance is a HUD Approved lender offering FHA loans for purchase and refinances as well as Reverse Mortgages.
Your Local Direct Lender
Santa Cruz Home Finance wears two hats; one, as a mortgage banker and, two, as a mortgage broker. As a mortgage banker, we are able to directly provide home financing which means that we underwrite and approve conventional and FHA loans, originate loan documents and write the funding checks - all from our Santa Cruz office on Seabright Avenue. As a result, Santa Cruz home loans are approved quicker, documents are prepared promptly and escrows close faster.
As a mortgage broker, we represent investors nationwide and consequently we are able to provide financing for those harder-to-meet Santa Cruz home loan requirements and we are able to do so at competitive interest rates.
This combination of mortgage banking mortgage brokering and our familiarity with the neighborhoods in Capitola, Aptos, Soquel, Scotts Valley, Watsonville, Carmel and Monterey allow us to provide our clients with the best possible of all Santa Cruz mortgage financing situations.
Our Philosophy
We created this company with the philosophy that our people are the most important asset of Santa Cruz Home Finance. We are a close knit team that is dedicated to supporting each other as we focus on providing our clients with the information they need to make informed decisions and the Santa Cruz home loan products that best fit their needs.
| Recent Santa Cruz Home Finance Transactions: |
Santa Cruz FHA Loan
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$559,500 |
| Santa Cruz Refinance |
$400,000 |
Santa Cruz Reverse Mortgage
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$300,000 |
Santa Cruz Reverse Purchase Loan
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$360,000 |
| Santa Cruz FHA Refinance |
$268,000 |
Mortgage Banker Santa Cruz Santa Cruz Real Estate Loans Santa Cruz Home Mortgage
Mary Ann Kirch Santa Cruz Home Mortgage Loans
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| SANTA CRUZ HOME FINANCE IS A DIRECT FHA LENDER |
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FHA Highlights
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100% Gift OK
- No minimum credit score
- Non-traditional credit is acceptable
- Low 3.5% down payment
- Non-occupant, co-borrower is permitted
- Expanded qualifying ratios
- No prepayment penalties
- Fully assumable
- Availability: in all areas of the country, provided a market exists for the property and the home meets HUD's minimum property standards
- Versatility: may be used to purchase or refinance a new or existing one-to-four-family home in urban and rural areas, including manufactured homes on permanent foundations
- Adaptability: typically offered at terms of 15 or 30 years
- Seller credit up to 6% of purchase price OK
- All Buyers--This is NOT a first-time home buyers program!
- No income limitations
Call us today for more information on FHA!
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