Phone: 888-681-4128

1906 W. Garvey Ave S. Suite 200 West Covina, CA 91790

Santa Cruz



Why Choose Us?

0 %

Customer Satisfaction Rate

30 Days

Average Loan Approval Period

90 %

Online Loan Application

Getting a Mortgage in Santa Cruz Shouldn't be Hard

See how simple it is to get a mortgage in Santa Cruz

Follow our step-by-step guide to learn how to buy a home in Santa Cruz
Learn how refinancing in Santa Cruz can help you save money in the long run

Santa Cruz Mortgage

Welcome to the official site of O1NE MORTGAGE, INC., a full-service mortgage company in Santa Cruz, California.

We’ve simplified the process and created friendly tools within this site to give you a hassle-free experience with your mortgage loan process. We can help you realize your dream of homeownership or help you to save by lowering your current monthly payments.

In terms of Purchase we offer the following Qualified Mortgage type of loans:

Conventional | FHA | VA | USDA | Jumbo

In terms of Refinance, we offer a wide range of products designed to best fit your needs. If you’re looking for a cash-out, or to just get a better rate and term, we can assist you. We offer the following refinancing programs:

Conventional | FHA Streamline | FHA Cash Out | VA Streamline | VA Cash-Out | USDA Streamline | Jumbo | HELOC

What makes us unique is that we offer the following niche, Non-Qualified mortgage products:

Bank Statements | Hard Money| Foreign National

Contact us today to prequalify for your dream home or to start saving on your current mortgage.

The City of Santa Cruz

Nestled along the picturesque coastline of California, Santa Cruz stands as a shining example of the quintessential Californian lifestyle. Known for its vibrant culture, excellent education system, robust healthcare facilities, strong financial foundation, and an array of recreational opportunities, Santa Cruz offers residents and visitors a unique blend of natural beauty and urban convenience.


The lifestyle in Santa Cruz reflects the region’s laid-back and outdoor-oriented ethos. With its mild Mediterranean climate, residents here relish in a year-round paradise of temperate weather. This coastal haven is renowned for its thriving arts and music scene, coupled with a dedication to sustainable living. The city’s commitment to eco-friendliness is evident through its numerous farmers’ markets, local artisanal products, and a strong emphasis on environmental conservation.

Education System

Santa Cruz boasts an exceptional education system, fostering a love for learning from an early age. From well-regarded public schools to esteemed private institutions, the city ensures that its youth have access to quality education. Additionally, the presence of the University of California, Santa Cruz (UCSC), a world-renowned research university, adds an academic vibrancy to the community. This institution not only offers top-notch education but also contributes to the city’s intellectual and cultural richness.

Health System

The health and well-being of Santa Cruz’s residents are well-prioritized through a comprehensive healthcare system. The city is home to cutting-edge medical facilities, including renowned hospitals and specialized clinics. Health-conscious individuals benefit from an abundance of wellness centers, yoga studios, and organic food options, further promoting a holistic approach to living.

Financial System and Programs

Santa Cruz boasts a robust financial system that supports both residents and local businesses. The city’s economy is diverse, encompassing sectors such as tourism, technology, agriculture, and academia. The local government actively encourages entrepreneurship and innovation through various financial programs, grants, and resources. These initiatives not only bolster the economy but also foster a spirit of creativity and progress.

Housing Market

The housing market in Santa Cruz presents a mix of architectural styles, from charming historic homes to contemporary designs, all framed against the stunning backdrop of the Pacific Ocean. While the housing market can be competitive, the city is committed to providing affordable housing options through initiatives that promote sustainable development and accessible homeownership programs.

Activities for Senior Citizens

Santa Cruz is not just a haven for the youth; it also caters to its senior citizens with a range of enriching activities. Community centers offer specialized programs, classes, and social events tailored to the interests of older adults. The city’s dedication to creating an age-friendly environment ensures that seniors can enjoy their golden years to the fullest.

Activities for Youth

Santa Cruz is a paradise for young residents, offering a myriad of activities to keep them engaged and active. The city’s coastal location provides opportunities for water sports like surfing, kayaking, and sailing. Thriving youth sports leagues, arts programs, and recreational facilities ensure that children and teenagers have ample avenues for growth and development.

Parks and Recreation

The city’s commitment to preserving its natural beauty is evident in its extensive parks and recreation system. From the expansive Henry Cowell Redwoods State Park to the pristine beaches of Natural Bridges State Beach, outdoor enthusiasts are spoiled for choice. Hiking trails, biking paths, and picnic spots encourage residents to immerse themselves in nature and lead a healthy, active lifestyle.

Conclusion: The Allure of Santa Cruz

In conclusion, Santa Cruz, California, encapsulates the essence of an idyllic Californian lifestyle. Its commitment to education, healthcare, and sustainable living ensures a high quality of life for its residents. The city’s diverse economic landscape, bolstered by financial programs, provides opportunities for prosperity and growth. Whether you’re a young student, a professional, a family, or a retiree, Santa Cruz offers a tapestry of experiences and opportunities that make it a truly remarkable city. The harmonious blend of natural beauty, cultural vibrancy, and community engagement cements Santa Cruz’s status as a great city to live, learn, work, and play.

Contact Us

1906 W. Garvey Ave S. Suite 200 West Covina, CA 91790
Phone: 888-681-4128

Company NMLS: 1906814

Fill in the form below and one of our representatives will contact you.

Contact Information

(866) 688-9020

Opening Hours

Monday – Friday 9am-5pm 
Weekend – Closed


1906 W Garvey Ave Suite 200 West Covina CA 91790