Top 3 Mortgage Lenders in Soquel

Bay Federal Credit Union is the largest member-owned financial institution in the region, serving Santa Cruz County residents including Soquel for over 65 years. They consistently earn exceptional ratings for their personalized service, competitive rates, and deep community commitment. As a local credit union, they understand the unique Santa Cruz County housing market and offer specialized mortgage programs including first-time homebuyer assistance and jumbo loans tailored to the area's higher-priced real estate.

Santa Cruz County Bank has built an outstanding reputation as a community-focused lender that deeply understands the local real estate market. They specialize in construction loans and custom home financing, which is particularly valuable in Soquel's diverse housing landscape. Their mortgage team provides exceptional personalized service with local decision-making authority, ensuring faster closings and more flexible underwriting than larger national banks. They consistently receive high marks for their expertise in handling complex loan scenarios.

New American Funding operates a strong regional presence serving the entire Bay Area including Santa Cruz County and Soquel. They are particularly noted for their diverse loan programs and competitive rates, with special emphasis on helping self-employed borrowers and those with unique financial situations. Their local mortgage consultants provide in-person service while leveraging the resources of a national lender, offering the best of both worlds for Soquel homebuyers seeking flexible underwriting and innovative loan products.