Santa Cruz

Home Loans

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Santa Cruz Home Loans.

Whether you are a first time home buyer or trading up to a larger home in Santa Cruz, we work to find the best home loan solution for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For Santa Cruz Home Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a mortgage lender in Santa Cruz, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify.

Santa Cruz California Overview & Statistics

Santa Cruz Overview

As of 2007, Santa Cruz's population is 54,778 people. Since 2000, it has had a population growth of 0.34 percent.

The median home cost in Santa Cruz is $804,100. Home appreciation the last year has been -2.23 percent.

Compared to the rest of the country, Santa Cruz's cost of living is 66.84% Higher than the U.S. average.

Santa Cruz public schools spend $7,036 per student. The average school expenditure in the U.S. is $6,058. There are about 20 students per teacher in Santa Cruz.

The unemployment rate in Santa Cruz is 4.30 percent(U.S. avg. is 4.60%). Recent job growth is Positive. Santa Cruz jobs have Increased by 1.39 percent.

Santa Cruz Climate

Santa Cruz, CA, gets 31 inches of rain per year. The US average is 37. Snowfall is 0 inches. The average US city gets 25 inches of snow per year. The number of days with any measurable precipitation is 65.

On average, there are 262 sunny days per year in Santa Cruz, CA. The July high is around 74 degrees. The January low is 39. Our comfort index, which is based on humidity during the hot months, is a 56 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

Santa Cruz Housing

The median home value in Santa Cruz, CA, is $804,100. Home appreciation is -2.23% over the last year. The median age of Santa Cruz, CA, real estate is 39 years.

Santa Cruz, CA Apartments and Rentals

Renters make up 51.18% of the Santa Cruz, CA, population. 5.04% of houses and apartments in Santa Cruz, CA, are unoccupied (vacancy rate).

Santa Cruz Crime

Santa Cruz, CA, violent crime, on a scale from 1 (low crime) to 10, is 6. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

Santa Cruz, CA, property crime, on a scale from 1 (low) to 10, is 6. Property crime includes the offenses of burglary, larceny-theft, motor vehicle theft, and arson. The object of the theft-type offenses is the taking of money or property, but there is no force or threat of force against the victims. The US average is 3.

For related resources see also:

www.ci.santa-cruz.ca.us

Santa Cruz Real Estate Agents

California First Time Home Buyers Grants

California First Time Home Buyer Programs

California Home Mortgage Loans