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
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

There might be some opportunity for a home purchase with this program, but you'll have to call, qualify and see what's available. It's for a home or condominium in the Santa Cruz County areas.

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

Current Homes for Sale
Santa Cruz County
City # Price Range
Aptos Homes 138 $229k - $7.9m
Capitola Homes 65 $99k - $14.0m
Rio Del Mar / Seascape Homes 83 $415k - $6.7m
Santa Cruz Events 261 $25k - $17.0m
Santa Cruz Homes 261 $25k - $17.0m
Santa Cruz Real Estate 261 $25k - $17.0m
Monterey County
City # Price Range
$0-$300000 211 $209k - $6.1m
Alta Mesa-Monterey 211 $209k - $6.1m
Big Sur Homes 9 $1.3m - $6.0m
Carmel Homes 259 $15k - $24.5m
Fishermans Flats 211 $209k - $6.1m
Glenwood Circle Monterey 211 $209k - $6.1m
Monterey Homes For Sale 211 $209k - $6.1m
Oak Grove Monterey 211 $209k - $6.1m
Old Town Monterey 211 $209k - $6.1m
Pebble Beach Homes 81 $550k - $28.0m
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