• The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
  • Let us be the stepping stone to the home of your dreams.
  • REFINANCING is easy with our professionals' help.


Welcome to Seabright Mortgage - Part of the Mountain West Financial, Inc. Family!


Santa Cruz & Watsonville Home Mortgages

If you need a mortgage loan in Santa Cruz County, We can assist you by providing you with top-notch service, no matter what kind of California mortgage loan you're looking for, or what your individual circumstances are. Obtaining a mortgage loan is one of the most significant decisions you will ever make, and it is important that you have an experienced advisor to help you every step of the way. Contact one of our home loan experts, and we'll show you how simple it is to obtain the mortgage loan in Santa Cruz County that you need.

Conventional | Conforming | Jumbo | High Balance | FHA | FHA 203K | VA | USDA | EEM | CalPATH

Santa Cruz & Watsonville Mortgage Refinance

Refinancing your mortgage in Santa Cruz County is easy when you have the advantage of an experienced mortgage lender on your side. We'll make sure that when you are ready to refinance your mortgage loan, you're getting the best mortgage program that fits your needs along with personalized customer service. Your situation and your mortgage loan are unique to you, so you need a lender that is capable of understanding your unique individual needs. We can help you get the mortgage refinance in Santa Cruz County that you need, so don't hesitate to get in touch.


We make it EASY to get started. Fill out our Quick Quote Form on the right, and we will be glad to help you with all your California Mortgage needs!

FHA Streamline | FHA Cash-Out | FHA 203K | VA Streamline | VA Cash-Out | USDA Streamline
Conventional | HELOC | HARP 2.0

Inquire Online

We are investing in the latest technology to ensure you have a quality, low maintenance experience with Mountain West. To get started, fill out our secure, online application by clicking Apply Now.

NMLS Consumer Access: http://www.nmlsconsumeraccess.org/

Latest from the Blog

Recent Articles

Jumbo Loans with Less than 20% Down
Jumbo loans, or nonconforming mortgages loan, most often require at least 20% down, as they pose more risk to the lender. While you can likely find a lender who will extend you a conventional mortgage with less than 20% down, especially if you qualify for a VA or FHA loan, jumbo loans with...
What's the Best Option: Fixed Rate Mortgage or ARM?
If you’ve never shopped for a mortgage before, you might find the information and options overwhelming. You’ve got conventional fixed rate mortgages for various terms, government-backed or guaranteed mortgages like FHA, VA and USDA loans and adjustable rate...
How to Boost Your 401(k) With a Cash-out Refinance
You know you need to think about, and plan for, retirement, but one possible source of retirement income that many people overlook is the cash equity you’ve built in your home. When the market drops, many of us worry about our 401(k) balances, while many experts tell us that...
Thanksgiving Cheat Sheet
Planning Thanksgiving dinner can be stressful. Luckily, our friends at Today Home have come up with a step by step cheat sheet to make the day flawless. To view the detailed list, click here.   Two Weeks Before: Make your guest list. Decide your menu. Stock up on staples like...