Rosa Contreras

  • (831) 724-7009
  • (831) 212-8484
  • 120 Aviation Way Suite 6
  • Watsonville, California 95076

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.


Professional, on time and explained documents in detail.

Juan S.

Rosa has been very helpful. She is very knowledgable. Her calming personality and patience has made the loan process much easier.

Richard G.

So very friendly + responsive. We always felt so welcome, even with our toddler being challenging Rosa was always so kind. We always were well informed. It felt like she was available 24/7. Would recommend to everyone.

Katryn B.

Excellent job!

Frank R.

I just wanted to say on behave of my family we are really thankful for all your help you guys gave us through this long process of the closure of this house. So once again thank you for everything.

Roberto G.

This first time experience was fast and easy.

Agustin C.

Great Service All Around!

Galvan Family

Thank you very much to all for your help.

Carlos & Rosario G.

Great service.

Adriana N. & Victor C.

Very professional! Excellent experience!

Juan S. & Michelle H.

Great job.

Alicia E. & Edder V.

We are very pleased you guys made our dream very easy to come true. We thank you very much.

Francisco B. & Julisa T.

Great service from beginning to end. Thanks Rosa Contreras for support and help with the closing.

Hernandez Family

Good service.

Garcia Family

Excellent service!

Gerado N. & Sandra M.

Everything went smooth. Thank you!

Juan C.
7 Myths About Foreclosure -- There's Good News!
7 Myths About Foreclosure -- There's Good News!
Jun 4 2020   refinance 30 year loan home loan lower mortgage payment
The idea of your home getting foreclosed on can send a chill up your spine. It's understandable. Thinking that a bank shuts you out of your home with ruined credit is an awful thought.  But here's the reality check: Not everything that you've... Read More
Tips for Investing in Real Estate During A Recession
Tips for Investing in Real Estate During A Recession
May 28 2020   investment loan real estate investment pre-approved home loan pre-qualify home loan mortgage application
For real estate investors, waiting for the market to stabilize is usually the way to go. But considering the current pandemic, stabilizing could take some time. And with so much real estate opportunity on the horizon (and currently), waiting may not... Read More
Pro and Cons of Listing Your Home For Sale During the COVID Outbreak
Pro and Cons of Listing Your Home For Sale During the COVID Outbreak
May 20 2020   selling your home during COVID first time buyer first home first mortgage home loan
Springtime is the most popular time for homeowners to list their homes for sale. However, given the health crisis (and financial crisis for many), you may be wondering if it's still a good idea to sell your home this spring. What are the pros and... Read More
A Pocket Guide to Protecting Your Credit During Coronavirus
A Pocket Guide to Protecting Your Credit During Coronavirus
May 13 2020   coronavirus COVID-19 refinance 30 year loan home loan
Your credit plays a key role in financial opportunities, today and in the future. Understandably, the current pandemic environment is making it more challenging. But still, there are actions you can take to protect your credit.  Here are tips... Read More