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Santa Cruz has a university on the hill, a boardwalk on the beach and a rent-control ordinance in between, and student demand shapes what an income property can do here.
Explore mortgage options in Santa Cruz, Santa Cruz County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Campus, downtown and beach, tracked apart
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The rebuilt commercial core, redeveloped after the 1989 earthquake flattened much of it.
The western side toward the lighthouse with older houses and surf breaks below.
A beach neighborhood of small houses on narrow streets near the harbor.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Homebuyers in Santa Cruz weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Santa Cruz County in the Central Coast, Santa Cruz moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Santa Cruz buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Santa Cruz borrowers frequently compare options against nearby communities such as Capitola, Scotts Valley, Watsonville.
Updated 9/8/2026
Santa Cruz Ca Santa Cruz is updated daily with practical mortgage guidance for this page.