For your Santa Cruz Mortgage needs The initial core group of Santa Cruz Home Finance offers Santa Cruz County a complete array of home financing mortgage options from your first time Santa Cruz home loan purchase to your Santa Cruz refinance. Your Local Direct Lender Santa Cruz Home Finance wears two hats; one, as a mortgage banker and, two, as a mortgage broker. As a mortgage banker, we are able to directly provide home financing which means that we underwrite and approve loans, originate loan ...