Main Number: (831) 425-1250

(866) 425-1250

Fax Number: (831)471-9950



Santa Cruz Home Finance

1535 Seabright Ave

Santa Cruz, CA 95062



Serving the Community:

VA and HUD Approved Lender:  Santa Cruz Home Finance offers FHA forward loans - including the FHA 203K loan and Reverse Mortgages in addition to conventional financing.  

We rapidly respond to new opportunities made available in today's dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs in the regions we serve.  Ask about available Down Payment Assistance Programs, Closing Cost Grant & the Mortgage Credit Certificate Program as well as the VA loan program.

Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.

Highest Quality Mortgage Services

From mortgage processing and underwriting, to loan closing and funding, our expert mortgage team will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services.