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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| Home Ownership Accelerator |
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A new loan program introduced in the United States two years ago is revolutionizing the way homeowners are paying off their mortgages.
It combines the flexibility of a home equity line of credit with the idle cash that sits in your checking account to pay off your loan sooner without changing your spending habits. The loan is called the "home ownership accelerator"
As we all know, you can pay off your mortgage faster and save tens of thousands of dollars by simply increasing your payment each month with a conventional mortgage. However, that requires discipline and a tightening of your personal budget. Also on a conventional loan, once you have made extra payments your money is locked up permanently unless you refinance.
By using the cash that sits in your checking account, the home ownership accelerator will automatically lower your principal due on your mortgage. Each time your paycheck is direct-deposited into your account, it makes a large impact on your loan balance. On the other hand, when you want money back, simply write a check. This 30-year loan is a home equity line of credit that allows unlimited payment and withdrawal privileges.
Click here to learn more!
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