Credit Unions near Santa Cruz, CA

“Matt was professional, timely, informative about the loan process, responsive to all our questions, and enjoyable to work with. He offered a competitive rate and the process was simple and efficient. While other circumstances led to us not needing the loan in the end, he was very gracious and supportive throughout. I would highly recommend him!”

“I had the best experience on their customer service phone line. Margarita went way out of her way to make sure I was able to remedy issues that arose after my wallet had been stolen. She took the time to explore many options before finalizing on a solution. Her warmth and friendliness made it a pleasurable interaction. Hope I get her again should I need support on future issues.”

“The loan process was excellent and encouraging. I was given details and walked through every step and informed the whole time. So happy I managed to get the loan!! It took a little time, but was SO WORTH IT!!”

“I cannot express my gratitude enough for Art Ruvalcaba and his invaluable guidance in navigating the complex world of building credit. With my ultimate goal of purchasing a home in mind, I found myself facing a significant obstacle when the loan officer informed me that I needed to work on improving my credit first. Thankfully, Art stepped in and became my beacon of hope. From the very first meeting, Art displayed an impressive level of knowledge and expertise in the realm of credit building. He took the time to understand my financial situation, aspirations, and the specific challenges I was facing. Art's ability to explain intricate credit concepts in a clear and relatable manner made me feel at ease and confident in his ability to assist me. One of the key steps Art recommended was obtaining a savings secured loan to establish credit. This loan, backed by my savings, allowed me to build a positive credit history while demonstrating responsible financial behavior. Art went above and beyond in helping me secure this loan, providing me with a thorough understanding of the process, discussing the potential benefits, and answering every question I had along the way. Under Art's guidance, my credit began to improve steadily over the course of the following year. He offered invaluable tips and strategies to optimize my credit utilization, build a solid payment history, and manage my finances wisely. Art's commitment to my success was unwavering, as he consistently followed up, monitored my progress, and offered further guidance whenever necessary. When the time finally arrived for me to apply for a mortgage, I was overjoyed to see the fruits of Art's labor. Thanks to his dedicated efforts and the solid credit foundation we had built together, I was able to secure a mortgage and purchase my dream home. It was an absolute dream come true, and I owe a significant part of this achievement to Art's unwavering support and expertise. Not only is Art incredibly knowledgeable and professional, but he also possesses a genuine care for his clients. He understood the importance of my goal and worked tirelessly to ensure my success. Art's patience, approachability, and willingness to go the extra mile created an exceptional customer experience that made all the difference. If you find yourself in a similar situation, where building credit is crucial to achieving your homeownership dreams, I wholeheartedly recommend Art Ruvalcaba. His expertise, guidance, and unwavering dedication will help you overcome obstacles, establish credit, and ultimately realize your dreams. I am forever grateful to Art and cannot thank him enough for making my homeownership journey a reality.”