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Megan and Jim

"We're at it Again!"

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Buy BEFORE you Sell!
Your Mortgage and Lending Experts

About Megan

I'm a dedicated local lender based in beautiful Santa Cruz, with over 15 years of experience in residential and commercial real estate. My award-winning team and I are committed to helping you achieve your real estate dreams with ease and confidence.

What sets us apart? With access to over 50 lenders, we offer competitive rates and minimal fees, ensuring you get the best deal possible. Our innovative approach, backed by a robust support staff, guarantees consistent, clear, and timely communication throughout your financing journey.

We understand the complexities of buying and selling properties, and our "buy before you sell" options provide the flexibility you need to make seamless transitions. Trust us to guide you every step of the way with personalized service and expert advice.

Let's make your real estate goals a reality!

About Jim

Jim is our broker of record and is a 20-year veteran in Mortgage Loan Originations as a producing independent owner. Jim helped over 8,200 families with the dream of homeownership. Jim has consistently been ranked in the top 100 Mortgage Loan Officers nationally out of 40,000 (Scotsman Guide). Jim brings a marketing and strategic perspective for integrating the mortgage broker and mortgage banking into custom solutions that are in the best interest of the client, not the bank. Jim and his family (2 girls) enjoy their time on the coast and are active participants in the community through school, volunteering, charities like The Guardsmen, and coach sports.

What is a Bridge Loan?

Wooden Furnitures

Additional Loan Products

 You Will Love!

Traditional Loans

FICO as low as 600 and as little as 3% down!

Jumbo Loans

Up to $5M loan amounts.

Bank Statement Loans

No tax return needed!

FHA Loan

3.5% down up to $1,150,000 loan amount.

VA Loan

0% Down with no PMI up to $2M in Price.

Reverse Mortgage

Easy Qualifying and No Mortgages Payments.

Bridge Loans

For commercial or investment properties. Close fast & compete with cash offers!

Buy Before You Sell

Make non-contingent offers that function like all cash offers and are more likely to win in today‘s market.

Asset Depletion Loans

Qualify using assets rather than income.


For investment properties. Qualify based on rental income alone.

Get Pre Approved

Assess your financial readiness and purchasing budget. Get preapproved early to ensure a solid foundation for your home ownership journey.

  • See what you can afford

  • Start the pre-approval process

  • Discover financial programs tailored to your needs

  • Get personalized mortgage options, competitive rates, and expert advice

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home keys

Unlock Your Equity

Discover your home equity with a free home equity report. Get customized home valuation, equity analysis, and expert advice to navigate your goals and financial options.


Tony R.

All I can say is, "Wow!" Jim and his team were amazing. This transaction took only 15 days from finding the property to getting the keys. The team worked like a well-oiled machine to push this transaction through... I would absolutely use them again.

Chris S.

The team knocked it out of the park for my family on our recent home purchase! Jim and his team were able to come up with creative solutions when last-minute wrinkles in the plan popped up. We were out of town for 100% of the transaction

Max E.

It’s hard to even find the words to describe Jim Blacks involvement in this highly important and sensitive matter. Even during the global pandemic , Jim and his staff meticulously worked tirelessly to help us achieve our goal..

Team Meeting

About Revest Homes

Revest Homes provides custom real estate planning and complete solutions for every stage of life. We have a network of professionals around the US that follow the same values we do - we REVEST in you, providing clients with "Stress Free" real estate experiences click to learn more about our BEST OF REVEST partners in your area. 

Free Mortgage Calculator


Megan Kilmer

Loan Officer

call/text: 831-888-7530

DRE 02095192 | NMLS 2436714

Jim Black

Loan Officer

call/text: 925-285-4898

NMLS 633511/2362319

DRE 02089890/02174879

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