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Buy A Home
Buy A Home

Whether you are a first time homebuyer or an experienced homeowner – we can help!

Refinance
Refinance

Refinancing could lower your payment, consolidate debt, payoff your loan faster or make home improvements.

Pre-Qualify
Pre-Qualify

Getting Pre-Qualified for a loan starts here.

Meet Our Team
Meet Our Team

Our experienced team of mortgage consultants are here to help. Get to know us!

Client Testimonials

I’ve been working with SCHF for several years and found them very professional and good to work with. Taking the best care of their clients.

Mike Y.
Rating: 5

Can’t say enough good things about this company and we are beyond thankful! Five star service all the way. We are happy first time home buyers!

Jacqueline H.
Rating: 5

I went from search to sold in less than three months, which I consider an exceptional success considering all my programs, and a low-inventory market. I highly recommend the team at Santa Cruz Home Finance.

Katrin D.
Rating: 5

I wouldn’t buy a home using any other lender.

Karyn T.
Rating: 5

Professional! Thorough! Accurate! Fast!

Yufeng Z.
Rating: 5

Welcome!

Santa Cruz Home Finance began with a vision of a company comprised of tightly knit caring professionals.  We are a locally owned direct lender in Santa Cruz County. Underwriting, document preparation and funding originate right in our offices on Seabright Avenue. We are team of over 20 Central Coast locals dedicated to providing total customer satisfaction. We offer unparalleled mortgage and refinance services to our clients not just in Santa Cruz, but throughout the entire State of California.

At Santa Cruz Home Finance you’re home.

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