Santa Cruz Home Loans
Purchase, Home Equity & Refinance

Santa Cruz homeowners are offers 100% home refinancing loan offers with fixed rate specials for Northern California borrowers. Industry experts anticipate home values in Santa Cruz to remain steady, so we suggest you consider tapping your home's equity with a 2nd mortgage if you need cash. Real Estate evaluators are forecasting property values in Santa Cruz to increase between 1 and 2% in 2007 and 2008. Because of the uncertainty of future of home values, many homeowners will be searching for traditional refinance solutions that offer fixed interest rates.

Nationwide offers home equity, and refinance loans with a fixed or adjustable interest rates. We offer loans for residents in Santa Cruz County seeking cash or simple rate and term refinancing.

A Few Common Reasons for Santa Cruz County Homeowners Getting Second Mortgages:

  • Fixing Variable Rate Credit
  • Increased Tax Deductions
  • Elimination of Mortgage Insurance
  • Bill Consolidation of High Rate Debt
  • Furniture for First-Time Homebuyers
  • Track Home Construction
  • Financing a Start-up Business
  • Purchasing a Vacation Home
  • Swimming Pool Installation
  • Replacing the Roof
Don't wait any longer, Call 1-877-212-9478 to speak with a seasoned loan professional live. We offer a helpful consultation that includes a free loan quotes with no obligation.

We offer cutting edge mortgage programs for SC homeowners who need to access money, but prefer not to pay off their existing mortgage in the process.
Whether you are purchasing a home in Monterey or Santa Cruz we offer subordinate loans for purchase or refinance. If you need help with a "Zero Down" 80-20 combo loan, then you have found the right lending source.

With conventional home loans becoming so difficult to qualify for, many Santa Cruz homeowners in Northern California have turned to FHA home loans for getting access to more cash because FHA loan allow borrowers to get cash up to 95% in refinance transactions. Our Northern California mortgage lenders offer competitive low rates to qualifying homeowners who meet the FHA. The Housing of Urban Development raised the California mortgage maximum limits for 2008 and the loan changes can be seen below by county.

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Relevant Santa Cruz County Facts:

Average home value for owner occupied primary residence, 2000: $377,500
Homeownership rate, 2000: 60.0%
Average household income, 1999: $53,998
2004 estimate: 250,633
% of people living in same home for 5+ years, 2000: 50.6%
Average commute time from home to work (minutes), 2000: 27.8

Click Here for More Santa Cruz Loan Info

* Loan terms are state and federal fee restrictions. Laws may vary per state.
For more city, county and state facts, please visit


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Additional Helpful Mortgage Loan Pages:
Loan Specials | Adjustable Rate Refinance | Home Equity Refinance | Bad Credit Refinance | State Guide Second Mortgages | California Mortgage Rates | Purchase Loan | 2015 FHA Loan Limits in California
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BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
Please be aware that this is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Nothing on this site contains an offer to make a specific home loan for any purpose with any specific terms. This is a web-site and no loans can be guaranteed as loans and rates are subject to change. Nationwide is affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright 2001-2010 and Beyond, Nationwide Mortgage Loans - is a website and cannot make loans. All rights reserved.