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
|
 |
 Personal finance news - CNNMoney.com
Home renovations on sale - 1 day ago
If you're struggling to see a silver lining in the beaten-down real estate market, consider this one: It may be a rotten moment to sell your house, but if you've postponed a much needed renovation project on your home - replacing a rotting deck, repairing a leaky roof or updating an antiquated bathroom - now just might be the best time in years to tackle that task.
How to salvage your retirement - 21 hours ago
The good news about your nest egg: You can find ways to make it last. The bad news: It's not going to be pretty.
Many dip into retirement savings - 1 day ago
As the economic crisis continues to hammer Americans, many are turning to desperate measures by dipping into their retirement funds to make ends meet, according to a survey released Thursday.
Investors drain $12B from mutual funds - 13 hours ago
Money flowed out of mutual funds last week, erasing a spike in deposits from the week before, as market volatility continued to undermine investors' confidence.
Why you should be buying stocks now - 1 day ago
When new clients come to me, I ask them a few questions about risk. One is "What would you do if the value of your stocks fell by 50%?" |
 |
|
|
| 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!
|
|
|
|
