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Home > Financial Services > Mortgage Brokers > Santa Cruz Home Finance
Santa Cruz Home Finance
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
Santa Cruz Home Finance wears two hats one, as a mortgage banker and, two, as a mortgage broker. As a mortgage banker, they are able to directly provide home financing which means that they underwrite and approve loans, originate loan documents and write the funding checks all from their offices on Sea bright Avenue. As a result, loans are approved quicker, documents are prepared promptly and escrows close faster.
As a mortgage broker, they represent dozens of investors, nationwide, and consequently they are able to provide financing for those hard to place transactions and they are able to do so at competitive interest rates. This combination of mortgage banking and mortgage brokering provides their clients with the best possible of all situations.
The company created this company with the philosophy that their people are the most important asset of Santa Cruz Home Finance. They are a close knit team that is dedicated to supporting each other as they focus on providing their clients with the information they need to make informed decisions and the loan products that best fit their needs.
They assist you through six basic steps in procuring a loan for buying a house or renovation of your home. The six steps are getting your documents organized, convincing the loan company that you qualify for the loan, explains the best loan plans from various companies available within your budget, applies for the loan, obtains approval for the loan, and assists in closing the loan.
They are dedicated to providing excellent service to their customers, striving to earn repeated business referrals from their many satisfied mortgage applicants. The Company believes a mortgage is the most rewarding investment made over a lifetime of important financial decisions.
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