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Browse mortgage lenders serving Santa Cruz, California. Contact information and addresses listed below.
14 agents listed
Updated May 2026
Santa Cruz, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 14 mortgage lenders in Santa Cruz, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Revest Loans - Team Jim Black
1015 Cedar St Suite D, Santa Cruz, CA 95060
9252854898
SV Mortgage Group
1509 Seabright Ave, Santa Cruz, CA 95062
8312008435
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
8312549787
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8314258326
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8314232900
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004709
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004706
Noel McCord at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001584
Jean Adams at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004712
Heather Wilbur at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001587
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
8773204762
Seabright Mortgage
2035 N Pacific Ave, Santa Cruz, CA 95060
8314257880
Loans With Mitch
710 River St #2, Santa Cruz, CA 95060
8314310726
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
8318182339
Mortgage lenders in Santa Cruz California help homebuyers and homeowners secure financing for residential properties. California law requires lenders to be licensed under the California Department of Financial Protection and Innovation. Local lenders understand the unique Santa Cruz housing market and can guide you through loan programs like FHA VA and conventional loans.
What Does a Mortgage Lender in Santa Cruz Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 500 to 800 dollars. Third-party costs such as title insurance escrow fees and recording fees can total 2000 to 5000 dollars. Interest rates and closing costs vary by lender and loan program. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Santa Cruz?
You typically need recent pay stubs W-2 forms tax returns bank statements and photo ID. California lenders may also request proof of assets and a credit report. Requirements vary by loan type and lender.
How long does the mortgage process take in California?
The mortgage process in California usually takes 30 to 45 days from application to closing. This timeline can vary based on loan complexity and current market conditions. California law requires certain disclosures within three business days of application.
What is the minimum down payment for a home in Santa Cruz?
Minimum down payments depend on the loan type. FHA loans require 3.5 percent down while conventional loans may require 5 to 20 percent. California first-time homebuyer programs may offer down payment assistance for qualified buyers.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.