Santa Cruz Home Finance
FHA - Reverse Mortgages - FHA 203K - VA - Conventional Financing
(Purchases & Refinances)
Your Local Direct Lender
Santa Cruz Home Finance is a locally owned, independent mortgage banking company. We are a direct lender which means that we underwrite and approve conventional, FHA & VA loans loans, prepare 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 local lender, Santa Cruz Home Finance participates in local programs that are available to assist local home buyers. We are able to provide financing combined with down payment assistance programs, financing on Santa Cruz County Inclusionary Housing (Measure J), and the Closing Cost Grant available to qualified first time homebuyers in Santa Cruz County. Santa Cruz Home Finance also offers that Mortgage Credit Certificate Program.
Our Philosphy:
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 on the financing products that best fit their needs.
| Recent Santa Cruz Home Finance Transactions: |
Santa Cruz FHA 203K Loan
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$360,000 |
| Santa Cruz Refinance |
$999,000 |
Santa Cruz Reverse Mortgage
|
$300,000 |
Santa Cruz Reverse Purchase Loan
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$180,000 |
| Santa Cruz FHA |
$729,750 |
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
- 640 Credit score o.k.
- 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.
- 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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