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 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 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 situations.

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.

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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