Mortgage Broker in Santa Cruz, CA — Competitive Rates, Serving Santa Cruz Homebuyers

If you’re buying a home or refinancing in Santa Cruz, CA, Lendia is your local mortgage broker. Licensed throughout California and serving all of Southern California, we’ve been helping Santa Cruz homebuyers and homeowners secure competitive mortgage rates since 2009. Whether you’re a first-time buyer, a veteran using your VA benefit, or a homeowner looking to refinance, our team understands the Santa Cruz real estate market and has the lender relationships to get you the best rate.

Santa Cruz is an active real estate market in Santa Cruz County on Monterey Bay. With median home prices around $1,350,000 and steady demand from buyers across all price points, having the right mortgage partner matters. At Lendia, we work with all loan types to make sure you get the right financing for your situation — not just the easiest approval.

Home Loan Programs Available in Santa Cruz

We offer a full range of mortgage products for Santa Cruz buyers and homeowners:

• Conventional Loans — Ideal for buyers with good credit and 3–20% down. Competitive rates and flexible terms.
• FHA Loans — Perfect for first-time homebuyers in Santa Cruz with as little as 3.5% down. More flexible qualifying guidelines.
• VA Loans — Zero down payment loans for eligible veterans and active military. We have dedicated VA loan specialists on our team.
• Jumbo Loans — For Santa Cruz home purchases above conforming loan limits. Competitive rates with fast approvals.
• Non-QM / Bank Statement Loans — Self-employed borrowers and those with non-traditional income can still qualify.
• Cash-Out Refinance — Tap into your Santa Cruz home’s equity to consolidate debt, fund renovations, or invest.

Why Santa Cruz Homebuyers Choose Lendia

As a licensed California mortgage broker (not a bank), we shop your loan across multiple lenders to find the best rate and terms for you. That means you’re not limited to one bank’s products — you get access to dozens of lenders competing for your business. Our clients often close faster and at highly competitive rates.

• Licensed in California — NMLS #295073
• Serving Santa Cruz and all of Santa Cruz County since 2009
• Deep knowledge of FHA, VA, Conventional, Jumbo & Non-QM guidelines
• Clear communication throughout the entire loan process
• Accessible off hours — we work on your schedule

Lendia, Inc. | 1907 Millwood St, Santa Ana, CA 92705 | NMLS #295073 | Licensed by the California DRE #01877189