Lending Options and Affordable Housing Programs in Santa Cruz County

Santa Cruz Housing Authority- They can assist with qualifying for the affordable rental housing, but they don't do the initial processing for affordable housing to buy.

City of Capitola Affordable Housing- The city has programs that are in part administered through the Santa Cruz Housing Authority. Check with Capitola for specifics.

City of Santa Cruz Measure O City of Santa Cruz Affordable Housing Program

Santa Cruz County Measue J affordable housing program info

Scott Valley Affordable Housing Program

These mobile home lenders will primarly finance new and coaches less than 20 years in age, though will do older depending on the park and coach type.

Generally speaking on mobile homes older than 20 years you'll need 20-50% down payments. Factors such as the park, age of the mobile home and if it's a single or double wide affect the amount needed for a down payment.

First Pacific Financial-mobile home lending Christy Snow 1-800-460-0019    loans@firstpacificloans.com

Manufactured Home Mortgage  1-916-638-8265      Info@mhmloan.com

Murphy Bank  (805) 250-2300 

Dove Mobile Home Loans  (714) 508-0780  dovfin@gmail.com

Community West Bank  Will Cunningham  (805) 692-4359   WCunningham@CommunityWestBank.com

Current Homes for Sale
Santa Cruz County
City # Price Range
Aptos Homes 149 $375k - $5.5m
Capitola Homes 47 $179k - $4.4m
Rio Del Mar / Seascape Homes 84 $380k - $5.5m
Santa Cruz Events 305 $75k - $28.5m
Santa Cruz Homes 305 $75k - $28.5m
Santa Cruz Real Estate 305 $75k - $28.5m
Monterey County
City # Price Range
$0-$300000 301 $145k - $5.8m
Alta Mesa-Monterey 301 $145k - $5.8m
Big Sur Homes 10 $1.5m - $8.0m
Carmel Homes 268 $125k - $17.0m
Fishermans Flats 301 $145k - $5.8m
Glenwood Circle Monterey 301 $145k - $5.8m
Monterey Homes For Sale 301 $145k - $5.8m
Oak Grove Monterey 301 $145k - $5.8m
Old Town Monterey 301 $145k - $5.8m
Pebble Beach Homes 91 $525k - $37.0m
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