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-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.
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.
Forrest Campbell, Mortgage Banker
Monterey Bay Mortgage
831-419-1723 or 831-462-8811
2601 41st Ave., Soquel, CA
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
Peter Boutell: (831)419-348
Mary Ann Kirch Cell (831)419-3469 firstname.lastname@example.org
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. We also do 203K rehab loans.
OnQ Financial - Mark Junod, Mortgage Banker
Mark Junod, Mortgage Banker
Mortgage Banker/Direct Lender
(831) 661-0720 or (831)332-0720
US BANK - Dave De Teso / Sylvia Fields
Sylvia Fields, Mortgage Loan Originator
Santa Cruz County Bank
Construction, Commercial Real Estate, Bridge Loans
720 Front St., Santa Cruz, CA 95060
831-457-5003 X2149 Office
Jon Sisk (831) 419-4149 Direct
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.
Karen Talbot, Escrow Officer
Santa Cruz, CA 95060
First American Title
Michelle Pappas, Escrow Officer
Santa Cruz, CA 95060
Old Republic Title Company, Capitola, CA
2121 41st Avenue, Suite 111
Capitola, CA 95010
Phone: (831) 462-0770
Larry Favor Construction p. 831-212-7227
Jeff Atkinson Construction p. 831-359-9376
Jeff Williams Construction p. 831-818-8659
Troy Miller Construction: TMiller Construction:
Dave Arronovici at 4 Seasons (831) 247-3707 or (831) 600-8546
TMiller Construction, Troy Miller Construction
Mitch Cartwright Remodels: 831-818-8955
John Crow Hardwood Floors: 831-459-7363
Diaz Hardwood Floors 831-476-4092
Safeguard Chimney 831-425-7233
Corcoran Chimney 831-722-2662
Chimney Cricket 831-359-1799
Butano Geotechnical Engineering, Inc.
231 Green Valley Road, Suite E
Freedom, CA 95019
**Christa Taylor email@example.com
Kendall Potter, Capitola, CA 831-477-7930
Call Kelley Youmans for information regarding local rental companies and options available
Limelight Staging/ Sarah Mead: (831) 708-8081
Life With Design
PH/Fax: (831) 854-2172
Cell: (831) 818-4035
Property Enhancement Specialist
P.O. Box 466, Aptos, CA 95001-0466