Welcome To Concept Mortgage

At Concept Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

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We work conforming and non-conforming real estate loans.

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We can help you lock in a long term fixed rate and get out of your ARM.

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Get started with our easy online application

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Today's Rates*

30 Yr Fxd3.200%3.370%
30 Yr Fxd FHA2.760%3.630%
15 Yr Fxd2.430%2.680%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.
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Latest News

Goldman Sachs Cleared to Own All of China Securities Unit

Chinese regulators approved Goldman’s application to take full ownership of its local securities business, another step in China’s gradual opening of its financial system to major players from the U.S. and elsewhere.


There are lots of good reasons to choose an FHA loan.

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FHA Home Loans

Satisfied Clients

  • My experience in working with James and Concept Mortgage has been very positive. I have worked with them several times over the years. They have responded in a timely and respectful manner. They have answered my questions to the fullest with a sound knowledge base

    Juan V. Greenfeild

  • Concept Mortgage came through for me after being laid off and loosing my home. I never would have dreamed about owning a home again! When all the banks said they would not approve me for a loan to purchase another home. James Saville from Concept Mortgage opened the door for me to have the American Dream again. I am a home owner again because he believed in me and gave back what I lost. I could not thank Concept Mortgage enough! Thank You!

    Suzane C. Salinas

  • My experience with Concept Mortgage was extremely positive. Remy Gomez was extremely efficient and thorough, and got us a very good rate to refinance our home with. I was surprised how quickly the process went with her, because I had tried to refinance with other companies in the past and was unable to find a company/broker who I felt comfortable with. I also really liked the notary person, Erika Bautista. She explained everything well and was very prepared for the signing.

    Robert B. Watsonville

  • I appreciate the expert and patient service I received from James Saville. All people and businesses are pleasant and dependable to work with. I will choose to work with Concept Mortgage and James again. Many thanks

    Sharonne T. Yreka CA

  • My husband and I were initially referred to James through a friend. Since day one, James has been nothing but helpful. He is knowledgeable and very patient. He took the time to explain the process to us and made sure we understood. We have worked with James and Concept Mortgage since several years now and have nothing but positive recommendations.

    Aaron and Lisa S. San Juan

Loan workspace

Contact Us

Call Us: (831) 722-6250

Email Us: jsaville@conceptmortgage.com

Our Address: 821 East Lake Ave., Watsonville, CA  95076

Mortgage Learning Center
Mortgage Calculate Monthly Payment

Calculate Monthly Payment*

Term Rate Apr Payment
30 Yr Fxd 3.200% 3.370%
30 Yr Fxd FHA 2.760% 3.630%
15 Yr Fxd 2.430% 2.680%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.