Get Your First Home
Find Your Dream House
Find A Great Rate
Get Cash Out
Whatever your goals are we are here to help! Click our prequalifier to get started!
Lower Your Payment
Lower Your Rate
Get Your Dream Home
Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.
Reduce My Payment
If your house has increased in value, you can use that equity to get cash-out, for whatever you need!
Use My Equity
Rates on 15 year mortgages can make the payment similar but the pay-off years sooner!
Shorten My Term
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!
We work conforming and non-conforming real estate loans.
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Use this calculator to see monthly payments for different loan amounts.
* Please note: this calculator is for illustration payments and actual payments may vary.
Our team at Concept Mortgage is fast, friendly, experienced and here to help you every step of the process!
We know the area and the market and we're part of your community, not a bot on the net :)
We work to close your loan as quickly as possible. We can even hit curveballs!
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
Phone: (831) 722-6250
Address: 821 East Lake Ave. Watsonville ,CA 95076
Monday-Friday: 9am to 5pm
Saturday: By appointment only
We can help you lock in a long term fixed rate and get out of your ARM.
Get started with our easy online application.
Click here to get started
There are lots of good reasons to choose an FHA loan.