Santa Cruz Home Mortgage Banker for your Santa Cruz property. Call for your Santa Cruz Home Mortgage Loans and Refinance(Capitola,Aptos,Soquel,Scotts Valley,Watsonville & Monterey).Santa Cruz Home Finance - Mortgage Banker in Santa Cruz California.

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Santa Cruz Home Finance
For your Santa Cruz Mortgage needs

The initial core group of 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.

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 loans, originate loan documents and write the funding checks - all from our Santa Cruz mortgage office on Seabright Avenue. As a result, Santa Cruz home loans are approved quicker, documents are prepared promptly and escrows close faster.

As a Santa Cruz mortgage broker, we represent dozens of 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 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 Mortgage Transactions:
Santa Cruz Refinance $1,950,000
Santa Cruz Refinance $400,000
Santa Cruz Home Loan $885,000
Santa Cruz Refinance $770,000
Santa Cruz Home Loan $1,500,000

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

FHA Highlights 

  • 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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