Empowering Homeownership for All in Santa Cruz, CA

We believe everyone deserves the opportunity to own a home, regardless of their citizenship status. That's why we offer specialized foreign national loan programs in Santa Cruz, CA for ITIN (Individual Taxpayer Identification Number) holders and Foreign Nationals. We aim to make homeownership accessible and straightforward, ensuring you have the support you need throughout the process.

Program Highlights

Flexible Credit Requirements

We understand that credit profiles vary. Our ITIN and Foreign National loan programs in Santa Cruz, CA are accessible with a minimum credit score of 680, opening doors for more borrowers to qualify.

1. Loan Amount and Property Types for Foreign National Mortgages Santa Cruz, CA

Minimum Loan Amount: $100,000

Property Types:

  • Single Family Homes in Santa Cruz, CA (attached and detached)
  • Planned Unit Developments (PUDs)
  • Warrantable Condos (following FNMA requirements)
  • Non-Warrantable Condos (considered on a case-by-case basis, with exception pricing)
  • 2-4 Unit Properties in Santa Cruz, CA

2. Personalized Solutions

We recognize that each borrower has unique needs. Our team in Santa Cruz, CA will work with you to tailor a loan solution for your financial situation and homeownership goals.

3. Competitive Rates

Benefit from our competitive rates designed to make homeownership in Santa Cruz, CA more affordable for ITIN holders and Foreign Nationals.

Why Choose Horizon Lending Services?

Expertise in ITIN and Foreign National Loans

Our experienced team in Santa Cruz, CA understands the nuances of these specialized loan programs and is dedicated to providing you with the best service and support.

Smooth and Efficient Process

From application to closing, we ensure a seamless and hassle-free experience.

Commitment to Your Success

We are committed to helping you achieve your dream of homeownership in Santa Cruz, CA, providing personalized guidance every step of the way.

Affordable Homeownership for ITIN Holders in Santa Cruz, CA
Get Started Today

Ready to take the next step towards owning your home? Contact Horizon Lending Services in Santa Cruz, CA today to explore our ITIN and Foreign National loan programs. Our knowledgeable team is here to assist you and answer any questions you may have.

Horizon Lending Services

Your Partner in Inclusive Home Financing

Benefits of ITIN or Foreign National Home Loan in Santa Cruz, California

One of the key benefits of ITIN or Foreign National home loans in Santa Cruz, California is the opportunity it provides to non-U.S. citizens to own property in a desirable location. These specialized loans do not require a social security number, making them accessible to those who may not qualify for traditional mortgages.

Demographically, Santa Cruz is a diverse community with a population that appreciates the natural beauty of the area. The city boasts a mix of residents including students from the University of California, Santa Cruz, families attracted to the excellent schools, and individuals drawn to the vibrant arts and culture scene.

In terms of the housing market, Santa Cruz offers a range of options from beachfront properties to charming mountain retreats. While property prices can be high, the market is competitive and dynamic, with opportunities for investment and long-term growth.

Some of the main attractions in Santa Cruz include the iconic Santa Cruz Beach Boardwalk, known for its thrilling rides and ocean views, as well as the picturesque West Cliff Drive, perfect for a leisurely stroll or bike ride along the coast. The city also features a variety of shops, restaurants, and wineries for residents and visitors to enjoy.

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Fill our the form or shoot us a email at

sharon@horizonlendingservices.com
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If you have any questions or you prefer to speak via the telephone.

972-347-9224
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