Mortgage Lenders in Santa Cruz, California

Sonic Loans is a licensed mortgage broker serving homebuyers in Santa Cruz and throughout California. Whether you're a first-time homebuyer or looking to refinance, we offer competitive rates and personalized service.

Home Loans Available in Santa Cruz

FHA Loans - Low down payment options starting at 3.5%
VA Loans - Zero down payment for eligible veterans
Conventional Loans - Competitive rates for qualified borrowers
Refinancing - Lower your rate or access home equity

Santa Cruz Housing Market

The Santa Cruz real estate market offers opportunities for homebuyers at various price points. Our local loan officers understand the Santa Cruz market and can help you find the right financing for your needs.

Get Pre-Approved in Santa Cruz

Ready to buy a home in Santa Cruz? Contact Sonic Loans at (313) 488-4888 to get pre-approved. A pre-approval letter shows sellers you're a serious buyer and helps you understand your budget.