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After graduating from the University of California in 1968, I worked as an engineer and a commissioned officer in Oklahoma and Montana for the U.S. Public Health Service. I oversaw the design and installation of water systems and waste water disposal systems for the individual homes and the small communities for the American Indian.

My family and I built our home on 40 acres in Montana. We milled all of the timbers for our home from the trees on our land with our own sawmill. Needless to say, it was quite an undertaking!

I have been arranging the financing for home buyers and the refinancing for homeowners in Santa Cruz County and throughout California since 1986. I have taught real estate finance mini-seminars through Cabrillo College and City of Santa Cruz Parks and Recreation Department. One of the highlights of my career is to have been selected to write the financing column every Saturday in the Business Section of the Santa Cruz Sentinel. I have been writing that column, “Lending a hand”, every week since 1995. Click here (or on “Peter’s Column” at the top of any page) to review the current column and archived columns.

I married my sweetheart, Mary Ann Kirch, in 2000 after a 10 year courtship. We now live on a ranch in the foothills of Mt Madonna in south Santa Cruz County that we call Hidden Pond Ranch (HPR) because there are two livestock ponds on the property that are home to birds, ducks, blue herons, egrets, frogs and turtles and fish.

We have four horses and twelve rescue animals that we consider our pets (five cows, two calves, three donkeys and two sheep). We enjoy riding the horses in Mt Madonna Park, Salinas River State Beach, and Fort Ord as well as around our property.

To stay in shape, I run, take strength and fitness training (which includes some yoga) and bike. Towards the goal of being able to at least entertain myself, I am taking piano lessons weekly.

My wife, Mary Ann Kirch, has been a mortgage consultant since 1989 and is the President of Santa Cruz Home Finance.

Born in 1968, my oldest son Dante works for Toyota as a supervising engineer in southern California. After graduating from the University of California at Berkeley in mechanical engineering, he was hired by Toyota and spent 5 years in Japan learning the ropes. He is fluent in Japanese and uses the language to communicate with fellow workers and company headquarters. Dante is married to Lisa, who is taking a leave from the law profession to be Mom for their two sons: Coen, Vaughn and two daughters: Asha and Iris.

My son Tai was born in 1969 and is a mortgage consultant at Santa Cruz Home Finance. He graduated from Chico and spent two years in law school followed by 7 years as a river raft guide in the summers and a manager of a cross country ski resort in the winters in the Sierras. He is married to Maria and they have two daughters, Tallulah and Chloë.

My daughter Julianna was born in 1976. She graduated from the University of California at Santa Barbara and after extensive worldwide travels worked for the Santa Barbara City College as a Program Advisor for the School of Culinary Arts and Hotel Management. She is married to Mike, who is a sales manager for SONOS, a popular and amazing music system management tool, in Santa Barbara. Julianna is now a fulltime Mom to their sons, Theo and Levi.

NMLS # 255980 | CalBRE # 00885091


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
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