ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare va loan specialists in Santa Cruz. Review contact information and insurance categorys before you decide.
16 agents listed
Updated May 2026
Santa Cruz, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 16 va loan specialists in Santa Cruz, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Revest Loans - Team Jim Black
1015 Cedar St Suite D, Santa Cruz, CA 95060
9252854898
SV Mortgage Group
1509 Seabright Ave, Santa Cruz, CA 95062
8312008435
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
8312549787
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8314258326
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8314232900
Dan Joy Realty & Home Loans
325 Soquel Ave, Santa Cruz, CA 95062
8314199505
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004709
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004706
Christine Meserve at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001591
Noel McCord at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001584
Jean Adams at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004712
Heather Wilbur at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001587
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
8773204762
Joe Hutson at Rate (NMLS #447536)
519 Seabright Ave UNIT 103, Santa Cruz, CA 95062
8312051582
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
8318182339
Diane Augason at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
4082341701
A VA loan specialist in Santa Cruz, California helps veterans, active duty service members, and eligible surviving spouses obtain home financing through the U.S. Department of Veterans Affairs. California law provides additional property tax exemptions for disabled veterans under Proposition 19, which can reduce annual tax burdens. Santa Cruz County offers unique housing market conditions, including high median home prices, making a knowledgeable specialist valuable for navigating loan limits and local appraisal requirements.
What Does a VA Loan Specialist in Santa Cruz Cost?
VA loan specialists in California typically charge no upfront fee to the borrower because they are compensated by the lender. However, you may pay a VA funding fee ranging from 1.4% to 3.6% of the loan amount, depending on your down payment and service category. Some specialists may offer flat fee services for complex cases, usually between $500 and $1,500. Costs vary by lender and loan type. This information is general and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the eligibility requirements for a VA loan in Santa Cruz?
Eligibility requires satisfactory service by active duty, National Guard, or Reserve members, or being a surviving spouse of a veteran who died in service or from a service-connected disability. You must obtain a Certificate of Eligibility from the VA. There is no minimum credit score set by the VA, but most lenders require a score of 620 or higher.
Are there California-specific benefits for VA loan holders?
Yes, California offers a disabled veteran property tax exemption under Proposition 19, which can reduce assessed value by up to $100,000 for veterans with a 50% or greater service-connected disability. Additionally, California does not impose state income tax on VA disability compensation. These benefits can lower overall homeownership costs in Santa Cruz.
How does the Santa Cruz housing market affect VA loan use?
Santa Cruz County has a high median home price, often exceeding the standard VA loan limit of $766,550 for 2024. However, eligible veterans with full entitlement can borrow above this amount without a down payment. A specialist can help you understand jumbo VA loans and local appraisal challenges due to the competitive market.
Free • No Obligation
Compare VA Loan Specialists
Get matched with agents in Santa Cruz who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.