• No matter what type of loan you need, we're with you every step of the way.
  • 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.
  • We make Refinancing a breeze!


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

Should I prepay my mortgage, or pay off my mortgage faster than planned?
Many people make extra payments on their mortgage each year, in an effort to prepay their mortgage, or to pay it off before the end of the anticipated loan term. Prepaying your mortgage can save you thousands of dollars, and even small payments now can quickly add up to dramatically...
What Does TRID Mean For Realtors?
On October 3, 2015, the TILA-RESPA Integrated Disclosure, or TRID, will go into effect. It is commonly known as the “Know Before You Owe” rule. TRID is designed to make sure all mortgage lenders’ disclosures are clear, correct, and easy for buyers to understand. Buyers...
3 Facts about FHA Loans, and Why They Might be Right for You!
Many people assume that they won’t qualify for a mortgage unless they have a minimum of 20% of the purchase price to put down in cash, have great credit, and have a lengthy and stable employment history. Although much of that is correct for conventional loans through private...
Should You Get a No Money-Down Mortgage Loan?
During the start of what turned out to be the housing bubble, many people heard stories about “no money down” mortgages, and how they were what “everyone” was getting. Although they are not as well publicized today as they were ten years ago, there are still...