CrossCountry Mortgage logomark

Stepheny Chang

SVP Loan Origination

Santa Cruz, CA Mortgage Lender

NMLS #511595

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


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.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


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.


  • 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

    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

    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

    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.

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