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Our team of local mortgage consultants can do more than just help you buy a home, we welcome the opportunity to work with you on the refinance of your existing mortgage.

What does it mean to refinance? Refinancing is the act of taking on a new loan with different terms. Deciding if it makes sense to refinance your home depends on a number of factors, but it starts with one question:

What do you want out of your refinance?

Here are some of the main reasons homeowners decide to refinance their mortgage:

  • Lower Monthly Payment
  • Payoff your Mortgage Faster
  • Eliminate your Mortgage Payment with a Reverse Mortgage (homeowner must continue to pay property taxes and insurance)
  • Convert an Adjustable Rate Mortgage (ARM) to a Fixed-Rate Mortgage
  • Consolidate Debt
  • Make Home Improvements
  • Convert your home equity into usable cash
  • Cancel Monthly Mortgage Insurance (MIP)

Get ready by gathering your paperwork and viewing our list of the Do’s and Don’ts of the loan process.

Working withSanta Cruz Home Finance

  • YOU first. We are committed to getting every client the very best possible deal every single time
  • Santa Cruz Home Finance offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less
  • We offer a variety of loans.Santa Cruz Home Finance will find you the loan that is right for you!!!


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