Special Offers From Mr. Cooper

Sorry, there are no offers available at this time. Check back soon!

Compare Santa Cruz, CA Home Loans

Ready to buy a house in Santa Cruz but stumped on where to start? Start with Mr. Cooper and a little help finding the right home loan for you.

Busy? Have us call you back. Call Me Back

More Information

Finding Your Fit, Finding Your Santa Cruz Home Loan

Houses aren't one size fits all. Neither are home loans in Santa Cruz. Getting the best fit for you takes some shopping around! That’s where Mr. Cooper can help. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, beginning with the mortgage loan process. We encourage you to continue reading for basic information about finding a home loan, but also contact a Mr. Cooper mortgage professional for any questions you may have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A low credit score could mean you are presented with a higher interest rate on your loan. On the flip side, a high credit score can help you negotiate your best rate with a potential lender. Your credit score, finances, and and the timeline you'd like to make your move can all affect the loan type that aligns with your goals. So, what's out there to choose from?

What Types of Loans Are There in Santa Cruz, CA?

You may have options when it comes to Santa Cruz home loans: conventional loans, FHA loans, FHA streamline loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), and high balance conforming loans. A conventional loan could be a great route for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

VA and FHA loans fall into the government loan category. Credit and income requirements are usually a little more different criteria than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. Which one of these home loans is a good fit for you? A loan officer can help you understand your options and next steps, depending on your position in the process.

Begin in Santa Cruz, CA with a Preapproval Letter

Talk to your lender about a Verified Approval Letter. Get one before you begin looking for houses in Santa Cruz to indicate that you've done your due diligence. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also speed up seller’s you’re serious about the home they’re selling. Give us a call today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now could be the perfect time for you to buy a house in Santa Cruz. See how we can help you navigate your next home-buying experience!

Santa Cruz, CA Mr. Cooper Reviews

Read real stories from real Mr. Cooper home mortgage customers in Santa Cruz, CA. Then contact us to see what we can do for you.

Overall Rating

out of 5 stars ( customer reviews)

We're changing the face of home loans.

Let Mr. Cooper help you prequalify for a mortgage and get the keys to your dream home.