Home Buyers

Sept. 17, 2019

Santa Cruz Down Payment Assistance is Here!

Up to $265,228 down payment assistance program with no payments required in Santa Cruz County!


The state of California’s HOME investment partnership program (HOME for short) offers down payment assistance funds available for qualified first time home buyers planning on purchasing in Santa Cruz County. Eligible first time ...

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Sept. 15, 2019

How to Buy a House in Santa Cruz

Yes, YOU can buy a home in Santa Cruz!

Many people would love to own a home in Santa Cruz County, but they take a look at the home prices and go into shock. To most people, it seems impossible that anyone but the very rich could afford to buy ...

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Posted in Home Buyers
Aug. 27, 2019

Credit Reports and Scores for Santa Cruz Home Buyers

Why does my credit vary so much between the credit score a lender pulls and the credit score I get from my credit card or free online credit tracking app?

As consumers, we have access to credit scores by many means, from:  apps, free tacking from bank account or ...

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Aug. 11, 2019

Buy a Home in Santa Cruz with No Appraisal and 5% Down!

Recently there have been more home loans closing in Santa Cruz, without the need to obtain an appraisal. The reasoning behind this is that the large purchasers of all mortgages, Fannie Mae and Freddie Mac (government-sponsored entities), have been putting together databases where they have been tracking Santa Cruz county ...

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July 30, 2019

Buying a 4 Unit Property with 0% Down in Santa Cruz

Buying a multi-family property in Santa Cruz has become more common as both an affordable place to live and great investment vehicle for future retirement. When purchasing a 2- 4 unit property, banks typically require 25% down payment, and 6-12 months payments in reserves. In addition, it requires great credit ...

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Posted in Home Buyers
May 21, 2019

Santa Cruz Mortgage Insurance

Mortgage Insurance is very common for today's Santa Cruz home buyer. Mortgage Insurance is a special insurance banks put in place to avoid losses in case of a borrower defaulting on their loan. The most common time mortgage insurance required is used inSanta Cruz is when a borrower comes ...

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March 25, 2019

100% Financing on Santa Cruz Homes

Did you know you could still apply and obtain a home in Santa Cruz with $0 down payment? Yes, 0% down, 100% financing is still available with Santa Cruz Lending Group!

Established in 1975, California Housing Finance Agency (CalHFA) works with lenders like Santa Cruz Lending Group to help homebuyers ...

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Posted in Home Buyers
March 24, 2019

Unlock Your Dreams of Investing in a Retirement Santa Cruz Vacation Home

If you hit ...

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Posted in Home Buyers, Investing
Feb. 3, 2019

Santa Cruz Bridge Loans

Imagine you own your home in Santa Cruz outright, or have a very small mortgage on it. Let's say your property is worth $850,000. You would love to buy your next Santa Cruz dream home which is valued at $1,000,000 but to do so you would ...

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Dec. 29, 2018

Top Tips for Santa Cruz House Flippers

Are you wanting to get in on the house flipping craze in Santa Cruz?  It's been reported that about 8% of homes sold nationwide in 2017 were flips - that means hundreds of thousands of people are cashing in on this lucrative corner of the real estate market.  ...
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Posted in Home Buyers, Investing