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


Forrest Cambell, 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 Gaeckle, Commerce Mortgage- Mortgage Banker
Capitola, CA

OnQ Financial - Mark Junod, Mortgage Banker
Mark Junod, Mortgage Banker
Mortgage Banker/Direct Lender

(831) 661-0720  or (831)332-0720

US BANK-  Choices:  Dave De Teso or Sylvia Fields
Sylvia Fields, Mortgage Loan Originator

David DeTeso
Mortgage Loan Officer NMLS#453626
Cell: 831-234-1045

Santa Cruz County Bank Doug Fischer Construction, Commercial Real Estate,Bridge Loans

720 Front St., Santa Cruz, CA 95060
Office: 831-457-5003 X2149
Fax: 831-427-1455

Lighthouse Bank
Business Lending Company, 
Consumer Lending,SBA Loans, Construction & Commercial Real Estate Lending Community

Jon Sisk
Direct: (831) 419-4149 

Bay Federal Credit Union
Modular/Mobile Homes, & Residential Loans


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

* 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: 

Santa Cruz, CA  95060
Stewart Title
Karen Talbot, Escrow Officer

First American Title 
Michelle Pappas, Escrow Officer

Soquel, Ave, Santa Cruz, CA  95060

Old Republic Title Company, Capitola, CA
June Brown

2121 41st Avenue, Suite 111  
Capitola, CA 95010
Phone: (831) 462-0770


Larry Favor Construction  

Jeff Atkinson Construction

Jeff Williams Construction
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)

Mitch Cartwright

(831) 818-8955 or (831) 464-3922

Elite Construction   
(831) 234-5052


Wheeler Termite:  Ray Barrs & Bob Wheeler
(831) 442-9230 or (831) 320-7642

O2 Termite: Bob
(831) 359-4627 or (831) 440-8742

Heber Roofing                          (831) 722-0660
Alameda Roofing(Dennis)        (831) 476-2161
Daddario Roofing                     (831) 800-930-4445 or 831-476-9131
Guido Roofing                          (831) 479-9688
Ron Hammer & Sons                (831) 469-4366
Simon Ray Electric                    (530) 386-3940

Flooring:  Payless Flooring Watsonville  831-722-7199
John Crow Hardwood Floors:  831-459-7363
Diaz Hardwood Floors  831-476-4092
Plumbing:  Jimmy Smith                     (831) 475-5700
Cimmerelli's                                        (831) 426-1811
Duncan Plumbing &  Radiant Floors  (831) 476-1712
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
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 
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:

Kendall Potter Property Management 
Christa Taylor
(831) 477-7930

CIF Property Management
Linda Chatten
(831) 464-0444


Mint Condition Staging by Paige
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 

Call/Text/Email for more Contractor Contacts:
(831) 818-1739