Joe Hutson

  • Loan Agent
  • NMLS: 447536
  • (831) 425-7880
  • (831) 212-4138
  • (831) 423-3700
  • 1734 Seabright Avenue
  • Santa Cruz, California 95062

Welcome to my website.

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate advice on your home mortgage needs. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone or email for personalized service and expert advice.

Joe Hutson was great!

Michael M

Good job!

Earnest Family

Great experience! So helpful!

Wagner M.

Joe and Seabright have been awesome to work with. It was great to see him again at the signing. Always a pleasure.

David H.

Joe Hutson at Seabright Mortgage explained everything with great clarity. His analysis and guidance was invaluable. Thank you for all your help an patience. It’s a long and complicated process, but you made everything easier!

Stephanie M.

Outstanding service. Joe is amazing, will recommend to others.

Sterling Family

Joe was a pleasure to work with. He was very patient with me and took the time to explain everything to me. I would definitely recommend Joe to a friend.

Elizabeth S.

Awesome to work with.

Javier O. & Gabriela H.

Hi Joe - We want to say thank you for much for being such a huge part of making out dreams come true. We couldn't have done it without you! You were a really hard worker & made this process seamless as possible. Thanks!

Louris Family

Super professional, easy to work with and would recommend to family and friends.

Collins Family

From the start & throughout the entire process Joe Hutson has advised and made it so easy to gather information and empowered us to make good decisions. Same with me & was always available if I had something to discuss - long distance from another state.

Caryn C. & Gloria J.

Very professional - was always clear as to what was needed to process the loan and what was expected on my part.

Christopher A.

Joe and Tom made everything easy to understand. The process was quick and painless. Thanks.

Hay Family

Joe and Tom at Seabright Mortgage were awesome. They explained everything to us and were very responsive to our questions and concerns. They were great to work with.

Jessica S. & Adam J.

We love Seabright Mortgage. Tom and Joe are super professional and are really good at explaining every step of the process. We got a super good rate and had a very good mortgage process. Thank you so much!

Angelita & Salamander B.
Buying Versus Building a Home: Which Is Cheaper?
Buying Versus Building a Home: Which Is Cheaper?
Dec 12 2018   first time buyer first home first mortgage home loan apply for a first home loan
Is it less expensive to buy or build a house? That's a question that many homebuyers have --whether their first-time buyers or looking for toward their next move. Considering that "buy-and-flip" investors are less active and many developers have... Read More
3 Ways To Pay Off Your Mortgage Early
3 Ways To Pay Off Your Mortgage Early
Dec 11 2018   Pay Off Your Mortgage Early
Many mortgage lenders offer flexible repayment terms not seen in the past, including 10, 15 and 20 year repayment options in addition to the traditional 30 year mortgage loan. Paying off your loan early can still save you thousands over the lifetime... Read More
The Cost of Waiting
The Cost of Waiting
Dec 11 2018   Interest Rates Home Loan Home Buying
Are you thinking of buying a home but not sure if you should make the jump now or wait? Why wait? The cost of waiting may not be worth it! Today’s interest rates are still at historic lows, but they are on the rise! With home values still... Read More
6 Prospecting Tips For New Agents
6 Prospecting Tips For New Agents
Dec 10 2018   New Agents Prospecting
You’ve secured a real estate license and are ready to make this upcoming year your breakout season as an agent. But you can’t expect clients to magically appear before your eyes. You can’t count on referrals or word-of-mouth. And... Read More