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. 
GET PRE-APPROVED and you'll be ahead of the game when offering on the home you really want.
City of Santa Cruz, County of Santa Cruz and other County/City loan programs. Contact me for details on Measure J, Measure O and other programs available.
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. 

Deferred Tax Options:  Carl Worden
(831) 588-3478

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, Flagstar, 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
Dave DeTeso, US Bank
(831) 234-1045 
783 Rio Del Mar Blvd., Aptos, CA  95003 

Jim Black, All CAL Financial, Mortgage Banker/Direct Lender
FHA, VA, Renovations and more
(925) 285-4898 or (831) 331-6293

Doug Fischer, Santa Cruz County Bank
(831) 457-5003 X2149 
(831) 427-1455 Fax

Bay Federal Credit Union, Capitola, CA  / Mortgages & Some Mobile Home Loans
Other Mobil Home Lenders Specific:  Call or Text  (831) 818-1739

Title Companies:

Stewart Title
Karen Talbot Escrow Officer
(831) 426-1711  ktalbot
1541 Pacific Ave. Ste#D, Santa Cruz, CA  95060

First American Title
Michelle Pappas, Escrow Officer
(831) 460-3263
330 Soquel Ave., Santa Cruz, CA  95060

Old Republic Title
June Brown, Escrow Officer 
(831) 462-0770
2121 41st Ave, Ste 111, Capitola, CA  95010

Contractors Suggestions
Call Kelley for Current Updates on Contractor Referrals:

Home Inspectors and Others
Jason Gingery at Viewpoint  Home Inspections (ASHI) (831) 345-7007
Chris McDougall:  APEX Home Inspections (831) 566-2258
Rob Ferguson Pacific Coast Home Inspections (ASHI) 1-866-570-1222
Jack Mancerella American Home Inspection (831) 588-3854

Remodels:  Mitch Cartwright:  (831) 818-8955
Wheeler Termite:  Ray Barrs & Bob Wheeler
Electric:      Ron Hammer & Sons (831) 469-4366
Electrician: Simon Ray (530) 386-3940
Flooring:  Payless Flooring Watsonville  (831) 722-7199
Plumbing low end:  Jimmy Smith (831) 475-5700
Cimmerelli's Plumbing                 (831) 426-1811
High End and low end:  Duncan Radiant Floors  (831) 476-1712
John Crow Hardwood Floors: (831) 459-7363
Diaz Hardwood Floors: (831) 476-4092
Exterior Painter Rick Duke/Corralitos:  (831) 320-1279
Interior Painting:  Michael Daugherty:   (831) 818-0954
Pete's Outflow Septic   (831) 475-0959
Dave Mcclure Construction:  Phone: (831) 423-6634
Soils Engineer:  Butano Engineering  (831) 724-2612  Greg Bloom - Owner

Wells:  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:  Real Furniture/Physical & Virtutal:  Call or Text Kelley (831) 818-1739