Mortgage Bankers: A Mortgage Banker/Direct Lender -provides the client with the widest range of loan packages to meet your specific needs.  A Mortgage Banker 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 line of credit).  These lenders will pre-approve you so that when you are ready to make an offer on a home you are in a better position to get your offer accepted. 
GETTING PRE-APPROVED IS DIFFERENT THAN BEING PRE-QUALIFIED!   
GET PRE-APPROVED!
 
City of Santa Cruz, County of Santa Cruz and other County/City loan programs. Contact me for details on Measure J, Measure O and Others. 
  
1031 Exchanges are popular with investors.  People exchanging from one rental property to another & many other products available with an Exchange Company.  Contact me for details. 
 
Rates are still at historic lows.  Great time to Buy!
  
Please contact Kelley for more details:  831-818-1739
 
 
Lenders Suggestions:

Peter Boutell, Mortgage Banker Santa Cruz Home Finance
Maryann Kirch

(831) 425-1250  
Peter's Cell 831-419-3468
Santa Cruz Home Finance - Owners
www.santacruzhomefinance.com - Mortgage Banker - Can also fund    
their own loans - Can do FHA & VA Loans, & Other Loan Packages. (It is true we do FHA and CalHFA and MCC but what makes us truly unique is that we are a direct lender for VA & FHA. The underwriters are here in our offices on Seabright. They also we do the 203K rehab loans. 

Forrest Campbell, Monterey Bay Mortgage/ Mortgage Banker/Direct Lender
2601 41st Ave Ste C, Soquel, CA 95073
831-462-8811 direct
831-462-3630 office
831-462-3136 fax

Ryan Buckholdt, Opes Advisors, Mortgage Banker/Direct Lender
(831) 600-1590 or (831) 818-2339

Jon Sisk:   Lighthouse Bank -Commercial Buildings & Other
(831) 600-4012  
 
Mark Junod, OnQFinancial, Mortgage Banker/Direct Lender
(831) 661-0720
mark.junod@onqfinancial.com
 
John Nink III  RPM Mortgage
Aptos, CA
(831) 471-5363

 
Dave DeTeso (831) 234-1045 Wells Fargo Bank
FHA / Specified Loan Packages Available/ Teachers Loans/ County Workers Loans & Other
 
Bay Federal Credit Union, Capitola, CA  / Mortgages & Some Modular Home Loans
    www.bayfederal.com - Credit Union
 
Other Mobil Home Lenders Specific:  Call Kelley @ 831-818-1739

 
 Please let them know that I referred you so they can better assist you. 
 
I also have contacts with other professional lenders depending on what your purchase needs may be.  Please contact me so I can guide you.  I work with an incredible team of people to be able to help you get what you want. 
 
Title Companies:

Stewart Title
Karen Talbot Escrow Officer
Santa Cruz, CA  95060
 
First American Title, Capitola, CA
Marsha Marsano Escrow Officer
831-464-4531
4450 Capitola Road
Suite 103
Capitola, CA 95010

Old Republic Title
Frances Wong
Capitola, CA  95010
 
 
Contractors Suggestions:
Call Kelley for Current Updates on Contractor Referrals:
 
Jason Gingery at Viewpoint  Home Inspections (ASHI) (831) 345-7007
Chris McDougall:  APEX  (831) 566-2258
Rob Ferguson Pacific Coast Home Inspections (ASHI) 1-866-570-1222
Jack Mancerella American Inspection (831) 588-3854
Remodels:  Mitch Cartwright:  831-818-8955
 
Wheeler Termite:  Ray Barrs & Bob Wheeler:  (831) 442-9230 or (831) 320-7642
 
Alameda Roofing: (831) 476-2161
 
Electric:  Ron Hammer & Sons 469-4366
              Simon Ray (530) 386-3940
 
Flooring:  Payless Flooring Watsonville  831-722-7199
 
Chimney:  Corcoran or Chimney Cricket
 
Plumbing low end:  Jimmy Smith 475-5700
Cimmerelli's  426-1811
High End and low end:  Duncan Radiant Floors  476-1712
 
John Crow Hardwood Floors:  459-7363
Diaz Hardwood Floors
 
Exterior Painter Rick Duke/Corralitos:  831-320-1279
Interior Painting:  Michael Daugherty:  831-818-0954
 
Pete's Outflow Septic 831-475-0959
Tom's Septic:  831-633-2321
Sump Pump/Bilge Pump -Dave Doan General Contractor:  831-588-9965
Dave Mcclure Construction:  Phone: (831) 423-6634, Call Kelley for more contractor referrals
 
Butano Engineering (Soils Engineer)  831-724-2612  Greg Bloom
Haro & Cusinich (Soils Engineer)  831-722-4175 John Cusinich
 
Tom's Well  Service 831-423-4107
 
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 Attorney:  David Hammerslough
UD, Unlawful Detainer Attorney:  Todd Rothgard
 
Real Estate Trusts:  Mitchell Jackman:  831-429-0181
 
Stagers:  Call Kelley Youmans 831-818-1739