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.

VP of Mortgage Lending

Joe Hutson is your Santa Cruz local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joe is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joe at (831) 205-1582 for more information!

Joe Hutson at Rate (NMLS #447536)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Jennifer Walker is your Santa Cruz local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jennifer is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jennifer at (831) 471-7134 for more information!

Jennifer Walker at Rate (NMLS #277784)

Robin Ronzano is your Santa Cruz local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Robin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Robin at (831) 622-0103 for more information!

Robin Ronzano at Rate (NMLS #670993)

Santa Cruz

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3 Loan Officers in Santa Cruz, CA