Mortgage Bankers:

A Mortgage Banker/Direct Lender -provides the client with the widest range of loan packages to meet your specific needs.  A mortgage bankers is different than a mortgage broker - Mortgage Bankers have access to a variety of loan packages.  Mortgage Bankers can obtain loans from several sources i.e. brokers, banks, and many can fund their own loans through their lines of credit.  A mortgage banker can pre approve you so that you have a loan ready to go.  This puts you in a better negotiating position when you make an offer on a home.  This is particularly important in a multiple offer situation so talk to me about the strategizing to win in the offer process.  Bottom line, there are many loan packages available today so speak to a qualifed professional.
 
The Difference Between Pre-Qualification and Pre-Approval
Pre-qualification is the first step in obtaining mortgage financing. A potential borrower answers a few questions to provide the loan consultant with a quick snapshot of the borrower's income, existing debt, accumulated savings and whether or not there is a co-borrower. Signature(s) allow the loan consultant to run a credit report and begin to determine what loans are good candidates for this particular client. However, there are a variety of loan programs available. It is important for the loan professional to know the long-term financial objectives of the prospective homeowner.

Pre-approval is a written documentation that proves the borrower has full support of a lender. It means the form 1003 Uniform Residential Loan Application has been completed and reviewed by an underwriter. Based on the borrower's income, debt ratio and savings, the underwriter will provide a dollar amount this borrower is eligible for. Now the borrower has the convenience of shopping for a home in the price range agreed upon by the lender.

Pre-approval allows potential homeowners to shop as cash buyers, and that means negotiating power. Sellers will take an offer from a pre-approved shopper much more seriously and may even accept a lower bid because they know the financing is in place and the deal is secure. Per Ryan Buckholdt, Opes Advisors below.
 
Moreover, City of Santa Cruz, County of Santa Cruz and other County/City loan programs could be an option for a first time home buyer.  Contact me for details on Measure J, Measure O and Others. 
There are other city programs as well.

1031 Exchanges are popular with investors - exchanging from one rental property into another. 
Contact me for details on Exchange companies and investment property.

Sellers & Buyers - Rates are still at historic lows - Refer me for Selling or Buying Residential, Multi-Residential, Investments/Exchanges, Condos/Townhomes, Mobil Homes, Distressed Sales. 

                                       Call or Text:  831-818-1739
Lenders:

Forrest Campbell, Mortgage Banker
Monterey Bay Mortgage
831-419-1723 or 831-462-8811
2601 41st Ave., Soquel, CA  
forrest@montereybaymortgage.com

I do have great success with MCC for First Time Buyers and renovation loans. Additionally, we have great Jumbo products and a new Jumbo VA program which is pretty spectacular. 


Opes Advisors - Ryan Buckholdt
, Mortgage Banker/Direct Lender/Commercial Loans

(831)600-1590 or (831) 818-2339
teambuckholdt@opesadvisors.com


Santa Cruz Home Finance - Mortgage Banker

OnQ Financial - Mark Junod, Mortgage Banker
Mark Junod, Mortgage Banker
Mortgage Banker/Direct Lender
(831) 661-0720  or (831)332-0720
mark.junod@onqfinancial.com


US Bank 
Sylvia Fields, Mortgage Loan Originator
408-655-3097
sylvia.fields1@usbank.com

Santa Cruz County Bank 
Doug Fischer
Construction, Commercial Real Estate, Bridge Loans
720 Front St., Santa Cruz, CA 95060
831-457-5003 X2149 Office
831-427-1455 Fax


Lighthouse Bank

Jon Sisk (831) 419-4149 Direct

Stearns Lending LLC. - Mortgage Banker
Dottie Jakobsen (831) 334-3747  
djakobsen@stearns.com

Bay Federal Credit Union

831-477-8567 Office  (831)515-5311 Direct
Modular/Mobile Homes, & Residential Loans

Other Modular & Mobil Home Lenders Specific: 
            Call or Text  831-818-1739

*   Please let the lenders know that I referred you so they can better assist you.  I have contacts with other professional lenders depending on what your purchase needs may be.  Please contact me so I can guide you.   

Title Companies: 

Stewart Title
Karen Talbot, Escrow Officer
831-426-1711
ktalbot@stewart.com
Santa Cruz, CA  95060 

Old Republic Title Company, Capitola, CA
Frances Wong
2121 41st Avenue, Suite 111    (Melissa Gerardi for Mobil Homes)
Capitola, CA 95010.
Phone: (831) 462-0770

 Contractors:

Larry Favor Construction  p. 831-212-7227

Jeff Atkinson Construction p.  831-359-9376

Jeff Williams Construction p. 831-818-8659
jeff@integratingbuildingsolutions.com

Troy Miller Construction:  TMiller Construction:
p. 831-818-9973
f. 831-465-9106
troy@tmillerconstructioninc.com

Home Inspectors:
Jason Gingery at Viewpoint  Home Inspections (ASHI) (831) 345-7007
Dave Arronovici  at 4 Seasons (831) 247-3707 or (831) 600-8546
Chris McDougall:  APEX  (831) 566-2258
Rob Ferguson Pacific Coast Home Inspections (ASHI) 1-866-570-1222
 
Remodels:  
TMiller Construction, Troy Miller Construction
p. 831-818-9973
f. 831-465-9106
troy@tmillerconstructioninc.com

Mitch Cartwright  Remodels:  831-818-8955

Termite:
Wheeler Termite:  Ray Barrs & Bob Wheeler:  (831) 442-9230 or (831) 320-7642
 
Roofers:
Alameda Roofing    (Dennis)     (831) 476-2161
Daddario Roofing                  (831) 1-800-930-4445 or 831-476-9131
Guido Roofing                      (831) 479-9688
 
Electric:
Electric:  Ron Hammer & Sons 469-4366
Electric & Solar:  Wallace Weeks  831-818-0312 or w3solar@gmail.com
 
Floors:
Flooring:  Payless Flooring Watsonville  831-722-7199
John Crow Hardwood Floors:  831-459-7363
Diaz Hardwood Floors  831-476-4092
 
Chimney:  
Safeguard Chimney  831-425-7233
Corcoran Chimney  831-722-2662
Chimney Cricket  831-359-1799
 
Plumbing:
Plumbing:  Jimmy Smith 475-5700
Cimmerelli's  426-1811
Duncan Plumbing &  Radiant Floors  476-1712
 
Painting:
Exterior Painter Rick Duke/Corralitos:  831-320-1279
Interior Painting and General Contracting work:  Michael Daugherty:  831-818-0954
 
Septic:
Pete's Outflow Septic 831-475-0959
Tom's Septic:  831-633-2321
Durden Engineering/Septic:  (831) 763-9413
Dave Mcclure Construction:  Phone: (831) 423-6634, Call Kelley for more contractor referrals!
 
Soils Engineers:
Greg Bloom
Butano Geotechnical Engineering, Inc.
231 Green Valley Road, Suite E
Freedom, CA 95019
(831)724-2612 office
(831)455-5959 cell 
 
Haro & Cusinich (Soils Engineer)  831-722-4175 John Cusinich
 
Well Service:
Tom's Well  Service:  (831) 423-4107  
 
Real Estate Attorneys:
Real Estate Attorney:  David Baskin:  831-425-8999
Real Estate Attorney:  Ed Newman  831-476-6622
Real Estate Attorney:  Terry Rein  831-426-8484  Real Estate Trusts:  Mitchell Jackman: 
831-429-0181

Property Management:

**Christa Taylor  christat@montereycoast.com
Kendall Potter, Capitola, CA 
831-477-7930

Call Kelley Youmans for information regarding local rental companies and options available
831-818-1739

 Stagers:  

Pacific Home Designs / ChristyBowles  christy@pacifichomedesign.com
831-332-7161

Limelight Staging/ Sarah Mead:  (831) 708-8081
 
Karin K. Ashby, Can Stage while still living in the home
Life With Design
PH/Fax: (831) 854-2172
Cell: (831) 818-4035 
 
*Kim Furman
Key Impressions
Property Enhancement Specialist

P.O. Box 466, Aptos, CA 95001-0466
Office/Fax: (831)684-2383    Direct: (831) 818-8215

Email: kfurman@key-impressions.com
Website: www.key-impressions.com

 
 
Call or Text for more Stagers names:  831-818-1739