Real Estate Lending

They've provided financing, merchant credit card solutions and everything in between so we can manage all our personal and business banking needs. We love banking locally, with Santa Cruz County Bank. - Laurie Negro, Owner, Betty's Burgers

Real Estate Lending

Relationship lending by experienced, creative local lenders.

We can put all the things you desire within your reach. With local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for your lending needs. We are a full service bank that specializes in all aspects of construction & commercial business lending. Our commercial lending process is unlike most others.

Contact Us

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Real Estate Commercial Property Lending:

  • Mixed use properties
  • Industrial
  • Office
  • Multi family
  • Motel/hotels
  • Non traditional or hybrid properties on a case-by-case basis

Construction Lending

  • Owner occupied homes including modular homes
  • Spec homes
  • Subdivision financing
  • Lot acquisition and improvement loans
  • Commercial construction
  • Conversion of properties to different uses

What Sets Us Apart?

Business lending is our forte.
We have a dedicated business lending office, as well as lenders in each banking office.

Experience

Each of our lenders have years of local credit experience and a working knowledge of local market conditions.

Local Decision Making

Our processes and approvals are all performed in house, which results in timely and straight forward approvals.

One on One, Relationship-Driven Service

As a borrower, you can expect to work with one experienced lender and decision maker regarding your project from start to finish. You'll save time and energy working with one just person, instead of separate individuals for each component.

Out of the Box Creativity

Fitting you "into a box" to fit into categories that we've created is just not our style. Our mission is to find solutions to fit your needs, whether traditional or non-traditional.

My County Reserve Overdraft Protection

Avoid the hassle, expense and embarrassment of bounced checks with My County Reserve overdraft protection. My County Reserve Lines of Credit require credit approval. Call or come in for more information.

For an appointment or if you have questions in regard to construction or real estate commercial lending, please contact:

Jon Sisk
Jon Sisk
EVP, Regional President
831.600.4018
N.M.L.S. #715400
Angelo DeBernadro, Jr.
Angelo De Bernardo, Jr.
EVP, Chief Lending Officer
831.457.5003 ext. 2142
N.M.L.S. #637661
Fred Caiocca
Fred Caiocca
EVP, Regional Credit Manager
831.457.5003 ext. 2119
N.M.L.S. #637658
Doug Fischer
Doug Fischer
SVP, Commercial Real Estate & Construction Lending
831.457.5003 ext 2149
N.M.L.S. #637663
Dara Harris
Dara Harris
VP, Relationship Manager
831.600.4024
N.M.L.S. #1120069

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