+1 (831) 475-6407
+1 (831) 475-6407
I can help you
Get Pre-Qualified to Buy Your Home
This is what I hear people saying...
Whether you're buying your first home or your 100th home, being pre-qualified helps close the deal.
I'm a numbers guy, and I've seen thousands of homes bought and sold. Sometimes being able to afford a home isn't enough to ensure that you close the deal. The Bay Area, and particularly Santa Cruz, are full of people who can afford to buy a nice home - but the market is challenging and that's why you need to be ready.
As a broker my job is to help you navigate these waters, get you the best interest rate and lender, and get you ready to close the deal on your dream home.
Conventional Mortgage
A standard home loan typically offered by banks or credit unions, not backed by any government entity, often requiring the client to pay a 20% down payment and have good credit.
Jumbo Loans
A type of home loan that exceeds the conforming loan limits set by government-sponsored agencies, requiring more stringent borrower qualifications but allows purchasing more expensive properties.
Refinance
Refinancing involves replacing an existing loan with a new one, these loans are often with better terms or lower interest rates, to save money over the long term or to consolidate debts.
Cash Out
A loan that involves refinancing your mortgage for more than you owe and taking the difference in cash, used typically for home improvements, to pay off debts, or other major expenses.
Purchase Loans
Used to finance the acquisition of a property, typically involving a down payment, regular monthly payments, and interest rates determined by the borrower's creditworthiness and other factors.
FHA & VA Loans
Government-backed mortgages designed for low-to-moderate-income borrowers who may have lower credit scores, requiring lower down payments and allowing more flexible qualification criteria. VA loans are backed by the U.S. Department of Veterans Affairs
Investment Property Loan
Used to finance the purchase of a property that the borrower intends to use as an investment, typically a rental or commercial property, often with different qualification requirements and interest rates compared to a primary residence loan.
Home Equity & HELOC
revolving line of credit secured by the equity in a homeowner's property, allowing the borrower to draw funds as needed up to a certain limit, with interest typically only paid on the amount drawn, and often used for home improvements, debt consolidation, or other major expenses.
Reverse Mortgage
Allows homeowners to convert part of the equity in their home into cash, with no monthly payments required, the loan being repaid when the home is sold or the borrower passes away or moves out of the property.
Frequently Asked Questions
In the Bay Area real estate market there are usually multiple offers on properties. The seller will then identify which person will actually go through with the deal. Being pre-qualified is almost as good as making a cash offer!
This is the second time I have used Brett for refinancing my mortgage and HELOC. This time around, our situation was pretty unique and a bit complicated. He walked me and my partner through the entire process. Daily updates, emails, phone calls, texts, all questions asked, he was able to answer or said let me get back to you and always found the answer to our complicated situation and got back to us within a day.
Jennifer L.
He did a great job all along the way. He was always very prompt with his responses and getting us info, and always called to follow up after sending any important documents via e-mail. He made it very clear all the way along what we needed to turn in/sign and when. Nothing felt unexpected.
Sarah C.
Brett was amazing to work with ! He's very responsive, professional, and really does his due diligence. He helped us with our first refinance and made it effortless with great results. Will definitely use him in the future. Thank you!
A.S.
I highly recommend Brett! He is the owner and he will work with you one on one throughout the whole process. I've done many home mortgages and refinances with Brett for over 10 years now; started with my home, now investment properties (outside of Santa Cruz county). You can trust him to get you the best rates and closing costs. He is very easy to work with... just shop around and let him beat it.
Manny B.
This is the second time I have used Brett for refinancing my mortgage and HELOC. This time around, our situation was pretty unique and a bit complicated. He walked me and my partner through the entire process. Daily updates, emails, phone calls, texts, all questions asked, he was able to answer or said let me get back to you and always found the answer to our complicated situation and got back to us within a day.
Jennifer L.
He did a great job all along the way. He was always very prompt with his responses and getting us info, and always called to follow up after sending any important documents via e-mail. He made it very clear all the way along what we needed to turn in/sign and when. Nothing felt unexpected.
Sarah C.
Brett was amazing to work with ! He's very responsive, professional, and really does his due diligence. He helped us with our first refinance and made it effortless with great results. Will definitely use him in the future. Thank you!
A.S.
I highly recommend Brett! He is the owner and he will work with you one on one throughout the whole process. I've done many home mortgages and refinances with Brett for over 10 years now; started with my home, now investment properties (outside of Santa Cruz county). You can trust him to get you the best rates and closing costs. He is very easy to work with... just shop around and let him beat it.
Manny B.
The Truth About Brokers
I'm an open book ready to answer your questions
As a broker we are not permitted to charge for consultation. Many of my clients consult with me for years before actually closing a deal. That means there is no risk and no obligation for you to contact me and start a conversation.
I've built my entire business on reviews and referrals. From your own perspective, think about the level of service you would need to receive to write a positive review. Now think about how quickly you would write a negative review.
Below are some of my favorites - but know that I only have 5 star reviews.
California DRE License #01359554
BB Financial Solutions NMLS #357735
Brett Blevins NMLS #246699
+1 (831) 475-6407
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