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
Retirement planning for mom and dad - 1 day ago
Saving for your own retirement is tough enough. You don't want to be taking care of mom and dad too. Help them plan their finances before they reach their golden years.
Back-to-school bargain hunting - 1 day ago
While summer is a great time to be a kid, it is a tough time to be a retailer, or a parent.
A political plan to help you save more - 9 hours ago
On April 15, 2018, Johnny Behave wakes up feeling pleased with himself. His tax return was filed weeks ago, thanks to the IRS' Insta-File service, which e-mailed him a completed form for his approval. One click and his taxes were done. He has no worries about having enough money for his kids' college or his own retirement because his employer's Save-a-Bundle plan automatically suctions money from his paycheck and hikes the withdrawal rate as his salary rises.
How to deal with a bad 401(k) plan - 1 day ago
Question: Both my husband and I have 401(k)s that are annuities backed by mutual funds. The returns, compared to our rollover IRAs in Fidelity funds, are unimpressive. What is the best strategy for dealing with a lousy 401(k)?
Weigh in on proposed credit card laws - 3 days ago
Ever find yourself going off on the customer service representative after a particularly steep credit card fee or unexpected rate increase? Well now is your chance to tell those who could ultimately change credit card laws in the United States. |
 |
|
|
|
|
|
|
|
| Home Ownership Accelerator |
|
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!
|
|
|
