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Santa Cruz Homes For Sale | Santa Cruz Real Estate | Santa Cruz Realtors

Santa Cruz Houses | Santa Cruz MLS | Mortgage Calculator

Instant PreQual Estimator

 

Use this powerful resource guide to locate Santa Cruz Homes and Santa Cruz Houses. We have periodic research reports on Santa Cruz Real Estate performance. There are quick shortcuts pointing to Santa Cruz MLS. Use our version of a powerful Mortgage Calculator .This is a Proprietary Affordability Calculator. It matches your profile against the programs we offer and instantly communicates the PreQual amount and the Purchase price you are eligible for. Various loan Programs available for Santa Cruz Housing are available to review. Check what you qualify for using the Mortgage Calculator and then proceed to look for Santa Cruz California Homes. You have the option to choose any Santa Cruz Realtors.

There were 20,442 households out of which 25.1% had children under the age of 18 living with them, 37.0% were married couples living together, 9.6% had a female householder with no husband present, and 49.1% were non-families. 29.3% of all households were made up of individuals and 7.6% had someone living alone who was 65 years of age or older. The average household size was 2.44 and the average family size was 2.98.

In the city the population was spread out with 17.3% under the age of 18, 20.5% from 18 to 24, 32.6% from 25 to 44, 21.0% from 45 to 64, and 8.5% who were 65 years of age or older. The median age was 32 years. For every 100 females there were 99.2 males. For every 100 females age 18 and over, there were 97.9 males age 18 and over.

The median income for a household in the city was $50,605, and the median income for a family was $62,231 (these figures had risen to $59,172 and $80,496 respectively as of a 2007 estimate). Males had a median income of $44,751 versus $32,699 for females. The per capita income for the city was $25,758. About 6.6% of families and 16.5% of the population were below the poverty line, including 12.5% of those under age 18 and 4.8% of those age 65 or over.

Compare City/County/State/US Demographic,Economic,Social and Housing data here

 

Mortgage for Santa Cruz Homes Sale

HUD Median Income 2009 :$83,800

Mortgage Loan Limits :

1 Unit Homes: $729,750    2 Unit Homes: $934,200   3 Unit Homes: $1,129,250    4 Unit Homes: $1,403,400

  1. FHA Mortgages:Available .Please click on FHA Qualification Summary to read the general eligibility guide.
  2. VA Mortgages:Available.Please click on VA Qualification Summary to read the general eligibility guide.
  3. USDA Mortgages :Not Available in Santa Cruz, Ca.Please see list of Eligible Cities.
  4. 1/2% Down Mortgages :Available.Please click on 1/2% Down Qualification Summary to read the genearl eligibility guide.
  5. Bad Credit Mortgages: Available .Please click on Bad Credit Qualification Summary to read the general eligibility guide.
  6. First Time Home Buyer Mortgages: Available.Please click on First Home Home Buyer Qualification Summary to read about general eligibility.

Santa Cruz Down Payment Assistance:

Available.Brief details are stated below.We offer these programs.Please complete the Contact Form for more details.

Santa Cruz County First Time Home Buyer Program (FTHB)    C          $106,250    
Santa cruz County Sheriff Workforce Housing Pilot Program    C         $150,000    
Santa Cruz HOME Funds Program (HOME)                            C,F        $50,000

Mortgage Rates: Displayed for you in the module on this page

Mortgage Calculator:Use this to calculate mortgage payments.Just input the Purchase price you want to calculate payments on. For every $100000 Purchase Price, taxes should be adjusted to $1250 and Insurance to $200.You do not need to adjust any other numbers including PMI.

Instant Affordability Calculator:This is our Proprietory Affordability Calculator.It matches your profile against the programs we offer and instantly communicates the PreQual amount and the Purchase price you are eligible for.No personal information such as name,Social ,address are needed.

Short Application:Input a Short Application if you are ready to move forward.A Loan Officer will review the application and be in touch per your preference.

 

Santa Cruz is the county seat and largest city of Santa Cruz County, California in the United States of America. As of the 2006 census estimate, Santa Cruz had a total population of 54,778, up 0.3% from the 2000 Census. It is located on the northern edge of the Monterey Bay, about 72 mi (115 km) south of San Francisco.



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