Mortgage Loan Originator · NMLS #113707
Santa Cruz, CA
Work with a licensed mortgage professional serving Santa Cruz, Santa Cruz County, CA. With a median home price of $1.42M, Santa Cruz homeowners often benefit from HELOCs, jumbo loans, and equity-based financing.
David Gordon is a licensed Mortgage Loan Originator (NMLS #113707) with 20+ years of experience helping homebuyers and homeowners across Santa Cruz, Santa Cruz County, CA compare residential loan programs. Through Barrett Financial Group, L.L.C. (NMLS #181106), David shops multiple wholesale mortgage lenders to match each borrower with competitive interest rates and clear loan terms.
Whether you are purchasing your first home in Santa Cruz, upgrading to a larger property in Santa Cruz County, refinancing an existing mortgage to lower your monthly payment, or tapping home equity through a HELOC, David Gordon provides side-by-side loan comparisons and fast pre-approval letters tailored to local market conditions.
Every mortgage strategy in Santa Cruz is built around your credit profile, income structure, down payment goals, and long-term equity plans. Borrowers can evaluate Conventional, FHA, VA, USDA, Jumbo, HELOC, Home Equity Loan, Reverse Mortgage, and Construction financing options with transparent closing cost breakdowns before locking a rate.
| Loan Program | Typical Down Payment | Credit Guideline | Best Fit for Santa Cruz Borrowers |
|---|---|---|---|
| Conventional Loans | 3% – 20% | 620+ FICO | Primary residences, second homes, and investment properties |
| FHA Loans | 3.5% minimum | 580+ FICO | First-time buyers and flexible debt-to-income qualification |
| VA Loans | 0% down | 580+ FICO | Eligible active-duty military, veterans, and surviving spouses |
| Jumbo Loans | 10% – 20% | 680+ FICO | High-value homes exceeding Santa Cruz County conforming limits |
| HELOC & Home Equity | Retained equity | 640+ FICO | Santa Cruz homeowners accessing equity without refinancing a low first rate |
Median Home Price: $1.42M
Homeowner Equity: 59% of mortgaged homes are equity-rich. Supply constrained between Monterey Bay and the Santa Cruz Mountains.
Houses UC Santa Cruz, which drives low rental vacancies. City zoning incentives provide expedited permitting and fee reductions for ADUs. Tech commuters taking Highway 17 into Silicon Valley compete for coastal homes in the Westside and Pleasure Point.
Common Loan Products in Santa Cruz:
95060, 95062, 95064, 95065
"We recently completed the purchase of our new home. We worked with David Gordon who did a great job. This was our 12th home we have purchased and we were extremely happy with David's professionalism and thoroughness - easily the best experience of the 12!"
"He was knowledgeable and helpful in the loan process. He was informative and made the process easy. I highly recommended him. The whole process from beginning to closing was less than 2 weeks."
"Navigating the complexities of home loans can often be a daunting process, but with Dave Gordon, it's nothing short of exceptional. Over the years, I've dealt with numerous mortgage processes, yet Dave has truly set himself apart in the industry. His hard work and commitment are evident every step."
Verbatim client reviews published on Zillow (dgordon022 — 5.0/5.0 across 44 reviews) and Google / Experience.com for David Gordon (NMLS #113707). Individual rates and loan processing timelines vary based on borrower credit profile, loan product, and underwriting guidelines.
Estimate illustrative monthly principal and interest payments in Santa Cruz based on sample Loan scenarios.
Disclaimer: This calculation is for illustrative and educational purposes only and does not represent an offer, rate lock, or commitment to lend. Actual monthly payments, interest rates, and APR will vary based on individual credit qualifications, property appraisal, existing loan balances, loan program requirements, and current market conditions. Property taxes, homeowner insurance, HOA dues, and mortgage insurance are not included in this estimate.
Yes. David Gordon is licensed to originate mortgages throughout CA and actively serves buyers in Santa Cruz, Santa Cruz County. Contact him at (949) 302-2010.
David offers Conventional, FHA, VA, USDA, Jumbo, HELOC, Reverse Mortgage, and Construction loans to Santa Cruz borrowers. Each program has different credit, income, and down payment requirements.
David serves all ZIP codes in Santa Cruz, Santa Cruz County, including: 95060, 95062, 95064, 95065.
Talk directly with David Gordon, your Home Loans specialist for Santa Cruz, CA.
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