Megan and Jim
"We're at it Again!"
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.
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.
DSCR Loan
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.
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See what you can afford
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Start the pre-approval process
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Discover financial programs tailored to your needs
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Get personalized mortgage options, competitive rates, and expert advice
WHAT PEOPLE SAY
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..
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.
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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
