Santa Cruz County Mortgage

4QuotesFast.com is the leader in Santa Cruz County mortgage loans and home loans for residents of the state of California. We work with Santa Cruz County numerous mortgage brokers and mortgage lenders nationwide to make sure you always get the lowest rate on your loan.

Santa Cruz County is located on the California coast, situated at the north end of the Monterey Bay. Santa Cruz County has 254,538 residents and is situated at the northern tip of Monterey Bay, 65 miles south of San Francisco, 35 miles north of Monterey, and 35 miles southwest of the Silicon Valley. Its natural beauty is present in the pristine beaches, lush redwood forests, and rich farmland. It has an ideal Mediterranean climate with low humidity and sunshine 300 days a year.
There are four incorporated cities within Santa Cruz County. The largest is the City of Santa Cruz, with a population of 54,593. Watsonville has a population of 44,265; Scotts Valley has 11,385, and Capitola has 10,033. Santa Cruz County is the Gateway to the Monterey Bay National Marine Sanctuary, has 29 miles of beaches and includes six state parks and six state beaches. Its quaint shops and restaurants, coupled with a multitude of cultural and recreational activities, including sailing, fishing, golf, tennis and hiking, provide a wealth of leisure activities. The State of California owns and maintains 42,334 acres of parks in the coastal and mountainous areas of Santa Cruz County. The County maintains an additional 850 acres of parks, and numerous parks are also found within the cities. Cultural amenities include the Santa Cruz County Symphony, the Cabrillo Music Festival, Shakespeare Santa Cruz, the McPherson Museum of Art and History, the University of California Performing Arts Center, and the Henry J. Mello Performing Arts Center. Santa Cruz County's strong local economy is anchored by vibrant high technology, agriculture, and tourism, and the school system includes Cabrillo Community College and the University of California, Santa Cruz. Santa Cruz also hosts the Long Marine Laboratory, the Lick Observatory, the National Marine Fisheries service, and the Oiled Wildlife Veterinary Care and Research Center. Santa Cruz County is served by the San Jose International Airport, the San Francisco International Airport, Oakland International Airport, Monterey Peninsula Airport, and the Watsonville Municipal Airport. Rail access is provided by Union Pacific Railroad, with a railhead at Watsonville Junction

http://www.co.santa-cruz.ca.us/ - Other helpful information.

Our mortgage brokers will pre-qualify you to buy Santa Cruz County real estate. Mortgage interest rates are always changing and you can qualify for a California home loan regardless of your credit history!

Get pre-qualified for a California home loan and increase your chance of putting in the strongest offer on your dream home in Santa Cruz County.

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Santa Cruz County Fixed Rate Mortgages

This is the most common type of mortgage program. Your monthly payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally your monthly payments will be very stable.

Santa Cruz County Adjustable Rate Mortgages

These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home. However, the interest rate changes at specified intervals (for example, every year) depending on changing market conditions; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also.

Santa Cruz County Reverse Mortgage

A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the equity in their home to cash to finance living expenses, home improvements, in-home health care, or other needs. With a reverse mortgage, the payment stream is "reversed." That is, payments are made by the lender to the borrower, rather than monthly repayments by the borrower to the lender, as occurs with a regular home purchase mortgage.

California FHA and VA Mortgage Loans

There are many factors to consider when applying for a government loan. We will be by your side every step of the way. Below is some helpful information to help get you started.