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Refinance

Refinancing Your Home

​If you’d like to pay down your balance more quickly for a similar monthly payment, we can help.

Mortgage Tune-up

If the last time you looked at your mortgage was when you closed on your loan, it’s time to take it out for an annual once-over or mortgage tune-up. 

How To Improve Your Credit

​Your credit score indicates your creditworthiness – your ability and willingness to pay back a loan – to banks and lenders.

Reverese Mortgages

​Reverse mortgages (also called home equity conversion loans) enable elderly homeowners to tap into their equity without selling their home. 

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© 2026 All rights reserved. Intercap Lending Inc. NMLS #190465
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

 

Andrea Schenk, NMLS #79366
Santa Cruz Lending Group Powered By Intercap Lending
2425 Porter Street, Ste. 13
Soquel, CA 95073

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