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YOUR LOCAL MORTGAGE EXPERT

Finding a great home loan involves careful consideration of your needs, finances and history.

Welcome to All Cal Financial

Our Team has helped over 20,000 Families with the dream of homeownership. The key to our success has been a combination of consistently offering custom home loan solutions and above all providing outstanding customer service. We take pride in treating our clients with honesty, transparency, and integrity.

Your Local Mortgage Company
All Cal Financial is your premier Santa Cruz mortgage broker. We believe in being transparent, friendly and 100% honest. For the best experience with mortgage loans in Santa Cruz combined with incredible rates, contact us today!

Working With An Santa Cruz Mortgage Broker
Its vital that your mortgage broker both listens to and answers your questions. Whether you’re a first time homebuyer or a professional, your mortgage broker is there to help answer all of your questions. An exceptional mortgage broker will take their time making sure you fully understand everything about your selected loan. The All Cal Financial team is here to help guide you on every step of the home ownership process.

Intelligent Technology
Our unique system allows you to buy a home completely using technology. It’s fast, it’s transparent and 100% at your fingertips. In addition to the ease of use, our system will provide constant updates through text, email, and our online portal. You know where your loan is at all times!

We Love Our Clients
We thoroughly enjoy meeting clients face-to-face to work through mortgage loans and options in Santa Cruz. Being a local mortgage broker in Santa Cruz, California allows us to establish a better client relationship and ensure all your questions get answered.

Customer Satisfaction
Fresh from the Blog

Here are the latest articles from our real estate and mortgage blog.

Staging Your local home can increase your sales price

Why Staging Your Santa Cruz Home Can Increase Your Sales Price

Getting ready to sell your home? You may have a long list of projects that you want to tackle to get top dollar for your…

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How to find the perfect house even in a competitive market

How to Find Santa Cruz Housing in a Competitive Market

The Santa Cruz housing market right now is hot, at least for sellers and landlords. It is extremely competitive for buyers and renters looking for…

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Understanding & Learning How to Use an FHA Loan

Understanding and Using the FHA Loan in Santa Cruz

If you are looking to buy a Santa Cruz home in a rural area and don’t have a lot of money for a down payment,…

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