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:

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 States seek currencies made of silver and gold - 2 days ago A growing number of states are seeking shiny new currencies made of silver and gold. The best cities for job hunting - 2 days ago FORTUNE -- Dear Annie: I just got a pink slip from the bank where I've worked as a marketing director for the past 12 years, and which is now undergoing a total restructuring, so I'm pondering what my next move should be. Opportunities are limited in the smallish East Coast city where I live (the bank I'll soon be leaving is the single biggest employer in town) and, having moved here solely to take the position I'm now losing, I'm not particularly attached to this area. Our kids are away at college now, our mortgage is paid off, and my wife, who is a pediatrician, really could work anywhere. So we're open to the idea of moving -- but where would I have the best chance of finding a new job? I'm also wondering, do many employers still pay moving expenses for new management hires, or is that a thing of the past? ? Footloose Home repairs: Which jobs come first? - 2 days ago Lean times call for budgetary triage. But while you should clearly opt for orthodontics before Disneyland, the choice is tougher when it comes to home maintenance. Beat stress for less - 2 days ago This year the end of the holidays probably didn't bring the usual stress relief; there are still worries about unemployment, a flailing housing market, and a volatile stock market, all of which may be taking a toll on your health. Finally, a foreclosure settlement (Maybe) - 2 days ago States have until late Monday to agree to the latest draft deal aimed at relieving homeowners struggling with mortgages bigger than their home's value.