Find Scotts Valley, California Home Grant Program | Check Eligible Areas in Scotts Valley, California

Scotts Valley, CA Home Buyer Grant

Home buyer grant programs are a great choice for borrowers looking to buy but lack the down payment. When Scotts Valley, California home buyers need assistance we have options. Conventional and FHA grant programs are available in Scotts Valley, CA. Grants are available for first time buyers and those who have bought in the past. Find out if you are eligible for the grant program by calling the Scotts Valley, CA down payment assistance line 888-767-0554. Down payment assistance experts are standing by and ready to help. Connect with a licensed Grant specialist, ask questions, see what cities qualify, and get free quotes.

Click to Start your Home Grant

Finding the Perfect Home Loan

Thousands of consumers across Scotts Valley, CA are ready for home ownership. Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers in Scotts Valley overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2024 Scotts Valley mortgage guidelines. Our mission is to get you approved for a home buyer grant in Scotts Valley, CA and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

Review your finances to see what you can afford.
Improve your credit score if needed to qualify.
Obtain pre-approval to shop for your dream home.
Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

Our home buyer grant team is celebrating its 27th year in business. Our experience allows for consumer mortgage confidence especially with Scotts Valley first time home buyers. We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just home buyer grants. Check out consumer USDA options, FHA loans and our Bad credit home loan options.

Get on the Path to Home Ownership. We got your Back!

My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.

Frank & Anna

We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.

Wesley C

We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!

Desi M

I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.

Erik H

I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!

Annie P

Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.

Debbie S

Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.

Sergio V

Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.

John C

Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.

Sue S

The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.

Chris C

Buy a Home with Down Payment Assistance

Get Pre-Qualified Now

Scotts Valley, CA Grant Benefits

580 Credit Score Required
Grant is completely forgiven – no repayment required!
Grant can be used for down payment
Seller Credit of 6% is allowed
Gift funds are allowed!
Borrower(s) not required to be First Time Homebuyers.
Income limit is based on qualifying income used for transaction, not household income.

Find your Home Buyer Grant in Scotts Valley, CA 888-767-0554.

Scotts Valley is a small city in Santa Cruz County, California, United States, about thirty miles (48 km) south of downtown San Jose and six miles (10 km) north of the city of Santa Cruz, in the upland slope of the Santa Cruz Mountains. As of the 2020 census, the city population was 12,224. Principal access to the city is supplied by State Route 17 that connects San Jose and Santa Cruz. The city was incorporated in 1966.

Approximately ten thousand years ago there was a lake in the lowest elevation of Scotts Valley, and Paleo Indians lived near its shores.[3] Archeological excavations of site CA-SCR-177 in 1983 and 1987 support dates for human settlement of this area as between 9,000 to 12,000 years before present (YBP). The lake later receded to form a peat bog. Later, around 2000 BC, Ohlone people occupied areas along the remaining creeks, spring and seep areas, along with permanent and seasonal drainages, and on flat ridges and terraces.[4] Therefore, areas along watercourses are considered likely locations for prehistoric cultural resources. Several watercourses, including portions of Carbonera Creek, Bean Creek, and MacKenzie Creek, are within the city. Permanent villages were usually placed on elevations above seasonal flood levels. Surrounding areas were used for hunting and seed, acorn, and grass gathering.