Loans
Whether you are buying your 1st home or your 100th home, we have custom solutions to fit every situation.
Cash offers have an 80% better chance of getting accepted than a traditional mortgage, even if the offer price is lower! With bidding wars and multiple offer situations, staying competitive is more important than ever. From bridge loans to pre-underwriting, we ensure our clients are the strongest buyers they can be so that they can get the home of their dreams.
We deliver a highly customized financial lending solution for our clients to best utilize their home to meet short term and long term goals. Finding the right loan product for each situation involves careful consideration of your needs, finances and history. We are here to guide you through the process.
We have been lucky to have helped thousand of families fulfill their dreams of home ownership and build wealth. Below is a summary of some of the different loan types we offer. Call today to find out what is best for your situation and click below for a full mortgage calculator!
Our Loan Officers
Jim Black
Additional Loan Products
Conventional Mortgage
Interest rates on a Santa Cruz or Bay Area Fixed Rate Mortgage are still very low! Remember, the lower the rate, the more you can afford.
Bridge Loan
Use the equity of your existing home to purchase a new home "cash" and then refinance to a conventional loan after selling your existing home.
Jumbo Loans
Conventional loan limits for 2023 are $1,089,300 for Santa Cruz County. With average sales prices around $1.4m, Jumbo loans are often required in the Bay Area.
Refinance + Cash Out
Refinance your home for a lower monthly payment OR pull out equity to make home improvements or to buy investment properties.
FHA Rehab Loans
If you have found the perfect home but it needs renovation, you can purchase the home and roll the costs of the renovation into your loan.
Reverse Mortgage
A Reverse Mortgage leverages your home equity as a powerful tool, and provides you with
the flexibility and financial footing to pursue the retirement path that’s right for you.
Investment Property Loans
Ready to reach financial independence through real estate? Whether you are looking for a Santa Cruz loan for an investment property or a vacation home to spend relaxing days, we can get you financed.
Security-Based Credit
Similar to a bridge loan, but done using equity in stocks vs existing home. A great way to make a competitive "cash offer"
Down Payment Assistance
We have the scoop on all the latest programs. These often vary by jurisdiction and borrower profile so please reach out to our lending team for more info!