Tom Powers

  • Mortgage Consultant
  • NMLS: 338236
  • (831) 425-7880 x23
  • (831) 234-6252
  • (831) 423-3700
  • 1734 Seabright Avenue
  • Santa Cruz, California 95062

Welcome to Seabright Mortgage!

I believe that mortgage planning is an integral part of an individual or family's overall financial needs.  Whether you are a first-time buyer, move-up buyer, or real estate investor; or are looking to refinance an existing mortgage; I will consider all of your questions and concerns as we review your home finance options.  I believe in open communication and an education based approach, bringing the borrower sound and reliable guidance in the ever changing landscape of residential finance lending.

With complexity at an all time high, and lending standards as tight as ever, you need a lender with the experience and knowledge to guide you through potential challenges toward successful home ownership and a better loan product.  I lean on more than 27 years of local real estate lending experience to give my borrowers the most comprehensive, reliable service available in mortgage lending today.

Please feel free to browse the tools on this page and become familiar with our products and services.  As always, we can be reached with a quick telephone call.  Simply ask for Tom Powers and Seabright Mortgage, and experience the great personalized service your expect from your professional Home Mortgage Consultant.

Experience: Over 27 years of mortgage consulting

Education: B.S. Business Administration, San Jose State University

Interests:  Surfing, free dive spear fishing, sports in general

Tom Powers is an excellent mortgage consultant. He has been so very thorough with us, doing everything necessary to make this process work! He is a very good friend… always willing to do everything possible to help us! Amazing person!!

Richard J.

Super helpful! Wonderful to work with!!

Presley H.

As a first time home buyer I was educated very well by Tom Powers. Tom went over and above the amount of service that I had anticipated. Thank you!

Philip B.

Thank you for all the help. Great at his job, very professional and knowledgeable.

Taylor A.

Thank you Tom!

Tony F.

Tom Powers is a great resource and very helpful. Thanks for your great help.

Merlo Family

We love Tom!

Ken M. & Bridgett O.

FAB!

Peacock Family

Awesome team effort.

Nicholas M.

Tom Powers is very thorough and professional!

Schmidt Family

Tom went above & beyond helping us, explaining all procedures and always available to answer questions. I would definitely recommend him and use his services in the future! Thank you!

Zavitsanos Family

We were well informed and felt we were in very good hands and would recommend Mountain West Financial!

Campbell Family

Wonderful people & process.

Tracy G.

Very happy!

D. & M. Terrazas

I was in a position where I really needed to refinance. Tom Powers at Seabright Mortgage was so helpful and enthusiastic about meeting my loan needs. I am very appreciative of his hard work and good communication throughout this process.

Lono B.

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.

Loved it!

Dale & Brenda F.

Our lender, Tom Powers, was incredibly helpful. He explained everything so clearly and went way beyond the call of duty to get our loan through on time!

Mr. & Mrs. Fox

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 and Salamander B.

Best team to work with ever!

Amanda & James C.
Here's Why Your Home Equity is Your Most Valuable Asset
Here's Why Your Home Equity is Your Most Valuable Asset
May 22 2019   home equity loan reverse mortgage home value increase equity equity loan
A simple way to understand what home equity is is to think of it as the portion of your home that you truly own, that is, the value of your home not included in your current home loan. Home equity is what makes homeownership such a great investment.... Read More
Mountain West Financial Announces Brian Daily As New Senior Vice President of Wholesale Lending
Mountain West Financial Announces Brian Daily As New Senior Vice President of Wholesale Lending
May 17 2019   Brian Daily Mountain West Financial New Vice President
  Mountain West Financial announced that Brian Daily has accepted the position of Senior Vice President of Wholesale. Brian brings over 30 years of mortgage banking experience to his new position where he will be responsible for overall... Read More
What's a Hybrid Loan and How It's Different Than a 30-Year Fixed Loan
What's a Hybrid Loan and How It's Different Than a 30-Year Fixed Loan
May 15 2019   hybrid loan arm loan mortgage loan home loan home loan options
Two common mortgage types that you've probably heard of are a fixed-rate and an adjustable-rate mortgage. A fixed-rate mortgage has a set rate for the whole life of the loan while an adjustable-rate mortgage, or ARM loan, usually begins with a lower... Read More
First-Time Homebuyers: Avoid These Mistakes!
First-Time Homebuyers: Avoid These Mistakes!
May 8 2019   first time buyer first home first mortgage home loan apply for a first home loan
Buying your first home is a thrill. Browsing homes online, daydreaming when driving through neighborhoods, and creating a Pinterest board to save remodeling ideas is great fun. But don't let the excitement of buying your first home cause you to make... Read More