About Joe Hutson
I am a born and raised Santa Cruz, CA resident, happily living with my wife Mary and our puppy Lakey on Santa Cruz's West side. My goal in life is to be happy and healthy and to help make people around me happy and healthy. To achieve this goal, I focus on my physical and mental health, I emphasize my relationships with family and friends, and I stay true to the core values shared with my family, friends, and community. I have been originating home loans in the mortgage industry since October 2011. My goal in business is to originate mortgage loans with a particular focus on exceeding customer service expectations, providing clear and concise communication, having comprehensive product and industry knowledge, and delivering a competitive rate and cost structure to meet the borrower’s financial needs. I love my job as a loan originator because many clients become friends and family, and many friends and family become clients. I am an emphatic believer in the value of home ownership; for strengthening our neighborhoods and our communities, and for building financial stability and long term wealth for families and individuals. The American Dream is built around home ownership, and it is a genuinely rewarding experience to help the dream come true for my clients. As an an ocean and outdoor enthusiast, I love spending time with my wife on the surf, on the trails, or in the hills. From redwood trees to coyotes, giant bull kelp to sea otters, nature energizes my soul. I am fascinated by all the creatures and critters that make our world wonderful in the ocean and on the land. The many selfless and giving people in our community also fuel my daily inspiration. Please join me in support of “Operation Surf" (amazingsurfadventures.org/events/operation-surf-santa-cruz/)" and “Save the Waves" (www.savethewaves.org), two wonderful non-profit community organizations looking out for our military heroes and the coastal environment, respectively. Thank you for visiting my bio and I look forward to the opportunity to meet and work with you.
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Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.575% | 6.937% | 0.976 ($3416.00) | $2229.53 |
| 15-year fixed | 5.500% | 6.036% | 0.892 ($3122.00) | $2859.79 |
| FHA loan | 6.000% | 7.077% | 0.94 ($2869.35) | $1966.87 |
| VA loans | 5.990% | 6.543% | 0.94 ($3840.84) | $2447.14 |
| Jumbo loans | 6.125% | 6.402% | 0.919 ($8271.00) | $5468.49 |
* Rates current as of 4/5/2025 07:38 am, provided by Joe Hutson, for Santa Cruz County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 519 Seabright Ave., Suite 103 Santa Cruz CA, 95062