CrossCountry Mortgage logomark

Stepheny Chang

SVP Loan Origination

Santa Cruz, CA Mortgage Lender

NMLS #511595

Adress
133 Mission Street, Suite 210
Santa Cruz, CA 95060
Contact Methods
Email
mobile Mobile
(650) 427-0222
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Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Stepheny

For more than 20 years, I’ve provided clients the knowledge and home financing experience to go through the mortgage process. Whether you’re buying your first home or your next home, you can count on me to find the right terms for your budget while ensuring a smooth closing so you can take ownership of your property. From pre-approval to closing and beyond, I’m dedicated to getting it done.

Before we begin your homebuying journey, I want to get to know you. I’ll meet with you one-on-one to hear your story and connect you with the right loan for your home. We can discuss a variety of programs, from conventional and jumbo to FHA, VA, and USDA home loans. As your dedicated loan officer, I’ll always be available to answer your questions and update you on your mortgage's status, too. My passion is helping people go from homebuyer to homeowner – and I look forward to the opportunity to bring your dreams to life.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Exterior of a multi-family home that provides separate living spaces for multiple families.
    Published on

    What Is a Multi-Family Home?

    Confused about the difference between duplexes & condos? Dive into our guide & learn everything about multi-family homes - perfect for renters & investors!

  • Image of a man using a saw while doing a home improvement project.
    Published on

    Loans For Home Improvement

    Discover how to finance home improvement projects with ease. Learn about the different loan options available, qualification requirements, and the application process.

  • Couple sitting together on couch researches a cash-out refinance loan on their cell phone.
    Published on

    What Is A Cash-Out Refinance Loan?

    Unlock your home's equity with a cash-out refinance loan. Get funds for renovations or debt consolidation. Learn how it works and if it's right for you.

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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