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Your Santa Cruz Home Lending Team

Our Mortgage Services


You have a lot of choices when it comes to getting a home loan. Whether buying a home or refinancing, the mortgage process can seem frustrating and stressful.


By having a service first mentality, we pride ourselves on making sure you are comfortable and happy with our work. 

Our Mortgage Team


We have an incredible Team of mortgage banking professionals that have worked together for most of their careers and have served Santa Cruz County for 20+ years.


It's about creating relationships and building a community with their clients. That's why they're the best at what they do.

The Process
Need more details? Contact us

We are here to answer all your lending needs. Relationships first, business second.


I have worked with Victor on a number of home purchases over the years with fantastic results, but this last loan he just closed for me he REALLY pulled out the stops and got the deal done.  I've worked with dozens of lenders over the years, and few have impressed me like Victor has, and I'll be sending lots more business his way.  If you're looking for a lender who will go the extra mile and won't ever drop the ball, get in touch with Victor.

Sebastian F.

Capitola, CA

We worked with Tai Boutell as first time borrowers in early 2017.  He met with us early on, he sat with us on a late weekday afternoon, with a cranky toddler in tow, and answered all our questions.  He wasn't condescending or annoyed with our "stupid" questions as so may in the industry seem to be; then gave us the time & room we need to figure things out.

You name any of the challenges of buying a home in SC as a middle class working family, and yep we had them.  Add to that how uneducated we were on the whole process, AND THEN add to that the fact that out sellers were INSISTENT no one use a realtor! Yeah, perfect storm.

Tai was amazingly competent, thorough, and patient.  We faced countless issues with my bank, and he navigated things beautifully - always a phone call, email, or text away (seriously once I text him about 10pm and he happily replied right back!).  He even came to our escrow paper signing and brought us a bottle of champagne.  I wouldn't hesitate to use him again or to recommend him to anyone!

Dusty B.

Scotts Valley, CA

Andrea is to thank for making all the first time home programs work together to get me a house.  It’s not only important that the community know about these programs, it’s equally important to have someone like Andrea navigate, advocate, and magical on the lender side. This never would have worked without her!!!

Alie Welch

Capitola, CA

I've bought two homes with Jessie's help. Jessie Brumbaugh is hands down the best! Se his knowledgeable and through in making it all a breeze to understand. I wouldn't buy a home using any other lender. She makes you feel part of the family. 

Karyn T.

El Dorado Hills, CA

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