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Top Mortgage Companies in Santa Cruz

Top Mortgage Companies in Santa Cruz

Top Mortgage Companies in Santa Cruz – Santa Cruz is often praised as one of the best places to live in California. And it’s no wonder why – the city has a mild climate, beautiful beaches, and a laid-back atmosphere. There are many great schools, a wide variety of restaurants and bars, plenty of outdoor activities, and a strong community spirit. Whether you’re looking for a relaxed lifestyle or an exciting city to call home, Santa Cruz is definitely the place for you. And the top mortgage companies in Santa Cruz can help you find the perfect home for your needs! 

Exciting Things about Santa Cruz

Santa Cruz is known for its fantastic beaches, perfect for swimming, surfing, and sunbathing. The city also has a number of top-rated restaurants and bars, as well as plenty of outdoor activities to keep you busy. And if you’re looking for a bit of excitement, Santa Cruz is close to Silicon Valley and San Francisco. 

Here are some of the best things to do in Santa Cruz: 

  • Visit the Santa Cruz Beach Boardwalk
  • Explore the redwoods at Henry Cowell State Park
  • Visit the Monterey Bay Aquarium
  • Explore downtown Santa Cruz
  • Take a wine tasting tour at one of the local wineries

Perks of Moving to Santa Cruz

One of the best things about moving to Santa Cruz is the great schools. The city has various top-rated public and private schools, and there are plenty of opportunities for students to get involved in extracurricular activities. Santa Cruz is also close to Silicon Valley and San Francisco, so students have access to some of the best technology and business schools in the country.

Another perk of moving to Santa Cruz is the amazing weather. The city has a mild climate year-round, with temperatures rarely dropping below freezing or soaring above 100 degrees. This makes it the perfect place to live if you want to escape the harsh winters or summers in other parts of the country. 

Santa Cruz’s thriving economy is another reason to consider moving to the city. The city has a strong technology sector, and many major tech companies have offices or headquarters in Santa Cruz. The city also has a vibrant arts scene, with some art galleries and theaters. 

The transport system in Santa Cruz is one of the best in California. The city has a wide variety of transportation options, including buses, trains, cars, and bikes. This makes it easy to get around town and explore all that Santa Cruz has to offer.

The cost of living is also relatively low compared to other California cities. So if you’re looking for a relaxed lifestyle or an exciting city to call home, Santa Cruz is definitely the place for you! 

Current Real Estate Trends in Santa Cruz

The current real estate trends in Santa Cruz are positive, due in part to the city’s strong economy and vibrant arts scene. Santa Cruz is also close to Silicon Valley and San Francisco, which contributes to the city’s high demand for housing.

Median Price: The median listing home price has recently increased by 11.7% over the last year to $1.5M in June 2022.

Average Prices: Most homes for sale in Santa Cruz are priced between $1M and $2M, although a few lower and higher-priced options are available. The average homes sell for about 5% above the list price, and the average listing price per square foot is around $849, making Santa Cruz a relatively affordable option for California real estate.

Fast Moving Real Estate: Redfin reports that although the average homes go pending in around 20 days, hot homes can sell for about 11% above the list price and go pending in only 9 days.

Number of Active Listings: There are currently around 200 homes for sale in Santa Cruz, according to Realtor.com.

Overall, the current real estate trends in Santa Cruz are positive, with steady price growth and high demand for housing. Santa Cruz is an excellent choice if you’re looking for an affordable option within easy reach of Silicon Valley and San Francisco!

Top Mortgage Companies in Santa Cruz

There are a number of excellent mortgage companies in Santa Cruz that can help you find the best home for your needs.

If you’re looking for a great deal on a mortgage, be sure to check out the rates offered by these companies. You may be able to save a lot of money on your loan by shopping around and comparing rates. And remember, it’s always important to consult with a professional before taking out a mortgage loan. The experts at these companies can help you make sure you’re getting the best deal possible.

1. Reliance Financial 

At Reliance Financial, our mission is to empower homebuyers and real estate investors in America to achieve their family and financial goals. We are a team of professionals who deeply understand what it takes to turn dreams into reality, and that’s why we are powering homeownership in America. We are questioning the status quo in residential lending through innovation, and we are committed to streamlining the financing journey for you and your family by providing customized solutions, low rates, and fast closing times. Our online technology platform enables homebuyers and homeowners to secure the best deals on their home loans efficiently. If you’re looking for a mortgage advisor that you can rely on, look no further than Reliance Financial. We’re here to help you achieve your homeownership dream.

Contact us today to learn more about how we can help you with your mortgage needs. Email: sales@reliancefinancial.com.

2. Seabright Mortgage

At Seabright Mortgage, they are committed to helping their clients find the best possible home loan to suit their unique needs and goals. They have been serving the community for over 30 years, and during that time, they have constantly strived to improve their processes and offerings in order to provide the best possible service. They offer a wide range of loan products, and their knowledgeable team is dedicating their efforts to helping each client find the right loan for their situation. Contact Seabright Mortgage today if you are looking for a mortgage lender who will work with you to find the best possible loan.

3. Affordable Home Finance

A home is often the largest purchase you’ll ever make, so it’s important to get it right. That’s where Affordable Home Finance comes in. They’re committed to providing their clients with the best mortgage experience possible. Their licensed loan originators are also licensed by the California Department of Real Estate, so you can trust them to skillfully guide you through the home loan purchase process from conditional loan approval to closing. With their expert guidance, you can confidently select the best mortgage choice from the many options that are available today. So whether you’re looking to purchase, refinance, or consolidate debt, Affordable Home Finance is there to help.

4. Essex Mortgage

At Essex Mortgage, their team of experts and professional loan officers is striving to helping you find the right mortgage to fit your needs. With a focus on education and customer service, they will work with you every step of the way to ensure that you understand the mortgage process and are confident in your decision. In addition, they offer a wide range of loan programs, from FHA loans to Non-QM products, and their specialty programs like Down Payment Assistance and Lease-to-Own can help you buy the home of your dreams.

5. Envoy Mortgage

Purchasing a home can be an exciting but stressful time. Ensuring that you have the right people in your corner to help with the financing can make all the difference. At Envoy Mortgage, they pride themselves on providing efficient, stress-free service to our home buyers. Their mortgage loan specialists have the experience and knowledge to help you navigate the process and find the right products to fit your needs. With their leaders, associates, customers, and partners, they continue to push financial boundaries and unite a team that is aiming to providing the best possible service.


Santa Cruz is a great place to buy a home for many reasons. With the cost of living being relatively low in comparison to other California cities as well as the plethora of job opportunities thanks to its strong economy, thousands of people move to Santa Cruz every year. In addition, this city has a wonderful climate and beautiful natural scenery, and it is home to a diverse community with a wide range of cultural activities and events. So if you’re looking for a great place to call home, definitely consider buying in Santa Cruz.

To help you buy your dream home, contact Reliance Financial today! We are a mortgage lender that delivers low rates and costs to our customers by comparison shopping for the best deals from some of the top mortgage lenders in America. We are popular for our speed, striving to close transactions in 21 days or less. In addition, we provide personalized guidance to our customers throughout the loan process. For these reasons, Reliance Financial should be your go-to choice when seeking a mortgage lender.