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
She's reupted to have some newer financing with as low as 5% down payments for people with good credit and income.

Manufactured Home Mortgage  1-916-638-8265      Info@mhmloan.com
Bill Woody  bill@woodyhomeloans.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

Manufactured Home Mortgage--Dave Shanklin 
Mobile (916) 868-7276
Email  mobilehomelender@gmail.com  He's reupted to have some newer financing with as low as 5% down payments for people with good credit and income.

https://www.sccoplanning.com/PlanningHome/Housing/GrantFundedPrograms/HOME-HomeInvestmentPartnershipProgram.aspx

Current Homes for Sale
Santa Cruz County
City # Price Range
Aptos Homes 49 $329k - $6.7m
Capitola Homes 30 $75k - $11.9m
Rio Del Mar / Seascape Homes 32 $405k - $6.7m
Santa Cruz Events 147 $30k - $10.0m
Santa Cruz Homes 147 $30k - $10.0m
Santa Cruz Real Estate 147 $30k - $10.0m
Monterey County
City # Price Range
$0-$300000 295 $100k - $5.5m
Alta Mesa-Monterey 295 $100k - $5.5m
Big Sur Homes 7 $1.3m - $30.0m
Carmel Homes 166 $15k - $24.0m
Fishermans Flats 295 $100k - $5.5m
Glenwood Circle Monterey 295 $100k - $5.5m
Monterey Homes For Sale 295 $100k - $5.5m
Oak Grove Monterey 295 $100k - $5.5m
Old Town Monterey 295 $100k - $5.5m
Pebble Beach Homes 53 $795k - $29.9m
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