Headshot of Heath Adams

Heath Adams

Loan Officer

Santa Cruz, CA Mortgage Lender

NMLS #2103425

133 Mission Street, Suite 210
Santa Cruz, CA 95060
Contact Methods
tel Phone
mobile Mobile
(831) 877-0877
fax Fax


About Heath

I’m a distinguished mortgage consultant in California who epitomizes resilience and excellence. Despite a life-altering motorcycle accident at 18, leaving me paralyzed and told I’d never walk again, I defied the odds by taking my first steps after rigorous recovery. Since then, I’ve undergone nine surgeries, yet remain unstoppable. My unwavering dedication guarantees results that surpass expectations.

With a client-centric approach and an unmatched work ethic, I ensure seamless mortgage experiences. We’ll start by navigating a wide selection of products, from conventional and FHA to VA and USDA loans, to find the one that meets your goals. From day one of our conversation to signing the last documents to getting the keys and closing, my support follows you throughout the process with answers to your questions and personal guidance. Together, we can achieve your homeownership dreams.


  • 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.

Quick Contact Form

Send me a message below or give me a call at 831-291-9874