Before You Apply For Mortgage


Welcome to the first steps on your journey toward a home of your own. If you're just starting out, we invite you to visit the Pros and Cons of Homeownership.Mortgage Information when buying Santa Cruz County real estate.

If you're not sure if now is the best time for you to buy a home, take the
"Are You Ready to Buy a Home?" Test

Click on What is a Mortgage Loan? for mortgage loan basics.

Go to Types of Mortgage Loans to review the many different kinds of mortgages available today.

Want to know your buying power and how much a financial institution will lend you?  Then click on
How Much House Can You Afford?

For help in figuring out your housing needs, visit What Type of Home Do You Want?

Try one of our Mortgage Calculators to see how much your monthly payment might be, or how much you have to earn to afford your new house, and more.