About Steve Rammel
Are you searching for an experienced mortgage loan originator in the Monterey Bay Area? I deliver a transparent, consultative process designed to make your mortgage straightforward, predictable and well-managed. I do this using the latest mortgage technology and underwriting tools to secure your loan approval while shopping, making your offer stand out against the competition. I'm known for strong realtor relationships throughout the region and work closely with a network of top local real estate agents to help transactions stay on track. My team and I work closely with you, your Realtor, escrow and the listing agent providing proactive updates, fast problem-solving, and reliable follow-through which is critical in competitive markets where timing and documentation matter. I provide clear guidance on purchase and refinance options, with an education-first approach and consistent communication from application to closing. As a loan originator for 36 years, I primarily serve the communities of the Central Coast and Monterey Bay area but also lend throughout California. Whether you're a first-time homebuyer, moving up, relocating, buying a second home, or looking to lower your payment through a refinance, I offer the local knowledge and mortgage expertise to help you move forward with confidence.
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Located at 519 Seabright Ave., Suite 103 Santa Cruz CA, 95062


