The best Private Mortgage Lenders of 2026 in Santa Cruz, California


Find the top Mortgage Broker from 680 listed in Santa Cruz, CA by comparing various loan programs, interest rates, fees, and qualification needs. Lendersa's price engine quickly evaluates millions of real estate loan options provided by lenders in Santa Cruz-Watsonville, CA, aligning the top 10 lenders with your qualifications and needs.

Enter your property's location, along with your income, expenses, credit score, and reserves, to access a list of the most suitable 680 mortgage brokers, direct lenders, banks, and credit unions offering services in Santa Cruz, Santa Cruz county, CA.

Local Mortgage Brokers

Mortgage brokers can help you effectively if they have three key components:
A. Your financial details
B. Information about the property
C. Understanding of your loan goals

Lendersa Loan Calculator

Lendersa® AI technology quickly matches your loan application with a variety of direct mortgage brokers, banks, local credit unions, or hard money lenders in Santa Cruz-Watsonville, CA.

Loan Types: Residential, Commercial, Vacant Land

Prevent unnecessary inquiries that might lower your credit score. Secure pre-approval for residential or commercial loans from traditional banks, credit unions, Non-QM lenders, or private lenders without disclosing your social security number or any sensitive financial information.


Compare 10 Lenders In Minutes

No Social security # is needed to find and compare the best matching loan programs from up to 10 lenders

Note: Lendersa loan requests contain all the data points mortgage brokers need to get you loan proposals.
social-security

The loan request is not a loan application, and your social security number is unnecessary.

To manually contact lenders, we provide you with a complete list:



Santa Cruz Mortgage Brokers

  • The Home Loan Center
  • 740 Paradiso Court, Soquel, CA, 95073
  • Lends in California
  • "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.
    When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"

  • Tedrowe Realty & Investments
  • 125 Jewell Street, Santa Cruz, CA, 95060
  • Lends in California
  • "Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988.
    Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."

  • Victoria Capital Mortgage
  • 455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
  • Lends in California
  • Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.

  • American Pacific Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Lends in California
  • Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.

  • Cedar Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Lends in California
  • Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.

  • Alliance Group and Associates
  • 5450 Thornwood Dr Suite P, San Jose, CA, 95123
  • Lends in California
  • Alliance Group & Associates Inc. (AGAI) dba Alliance lending is broker company, AGAI team pays attention to details of every loan application, searching to find the most suitable mortgage for the clients. AGAI was first established in 2014 in San Jose, serving mortgage industry instate if CA

  • Diversified Loan Services, Inc.
  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Lends in California
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.

  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Lends in California
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.

  • SnapFi
  • 1155 Meridian Avenue, San Jose, CA, 95125
  • Lends in California
  • SnapFi is innovating the mortgage lending experience. Working at the intersection of leading edge technology and dedicated, expert advisory services, we customize and deliver the best financial solutions for our clients, today, tomorrow, and into the future. We’re fast. We’re agile. We make our own decisions.

  • Excel Trust Deed Investments
  • 1314 Lincoln Ave, Suite 2A, San Jose, CA, 95125
  • Lends in California
  • "Excel Trust Deed Investments (formerly Excel Financial) has been arranging private lending solutions and helping families and businesses in the San Francisco Bay Area with their alternative financing needs for over 30 years.
    Our loan experts constantly evaluate the best ways to help meet your short-term and long-term financial goals."