Lisa Cardoza

Loan Officer

(831) 227-9399
[email protected]

NMLS: 389926

,

State Licensing Information:

CA-CA-DOC389926

My Reviews

22 Reviews

Stephen & Mildred Honeywell on March 9, 2021 at 6:44 pm

We really enjoyed working with Lisa on our refinancing, her attention to details and her patience with our personal issues made the process very easy.
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greg rohner on March 11, 2021 at 12:27 am

Great experience extremely helpful through the entire process.
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Mark Brynildson on April 2, 2021 at 8:30 pm

It was terrific working with Lisa Cardoza on our new home loan! If you are looking for a home loan I highly recommend Lisa Cardoza as your Loan Officer!
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Tracy Yu on April 6, 2021 at 6:19 pm

Lisa is amazing! Lisa is patient and knowledgeable in every aspect and took the time to make sure I was clear and confident in my understanding of each and every step. The process was extremely timely and thorough. I love Lisa and appreciate her very much, I feel as though I made a very special friend. Thank you Lisa!!!
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Marcos Ramirez on April 12, 2021 at 5:30 pm

From the beginning, my wife and I felt as if Lisa was painting a picture from the beginning to the end for us. She literally mapped out the entire purchasing process, which made us earn her trust. She was always there for us either via emails or by taking our calls all the way to the closing date! Lisa's attention to detail, customer service, and professionalism left a positive impression on us.
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KAREN BOURGEOIS on April 22, 2021 at 5:27 am

Lisa provided the best service of all the loan officers I've worked with. She provided clear instructions, answered all questions, kept to the timeline so that I was successful, and even found a loan type with a low interest rate with ease that exceeded expectations. It was as if she read my mind on the loan type. She is also personable, professional, and focused on details that could have easily been missed. Many real estate agents promise that their loan officers are the best and will provide the best deal but this was the only one who has done so compared to my previous purchases. It was a pleasure working with Lisa.
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Byron Rifkind on May 6, 2021 at 7:11 pm

Lisa is very organized and made all the paperwork very easy. As a Realtor, I am self employed and was required to submit a profit and loss statement for my refinance. Lisa told me what she needed and wrote the profit and loss statement for me. I have never experienced that level of service from a lender. Her advice on when to lock a rate was spot on. When it comes time to buy or refinance save yourself some time and call Lisa. She is the best!
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Steve Gregori on June 7, 2021 at 3:04 pm

Lisa was an integral part of the best real estate team a buyer could ever ask for! Her can-do approach to any task was so refreshing in today’s hectic real estate market. We always felt that Lisa could make things happen, if anyone could. Thanks for helping to make the process of buying a home in the Santa Cruz area, so much smoother!!
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James Bostick on July 12, 2021 at 3:51 pm

We really enjoyed working with Lisa, she was highly recommended, and now we understand why. Lisa, never missed a step and this made our transaction move flawlessly though.

thanks Lisa.
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Karen L Hendricks on August 29, 2021 at 3:47 pm

I've had the opportunity to work with Lisa Cardoza several times now. Through each process, she has been responsive, professional and just a delight to work with. Lisa has earned my complete confidence, and I would highly recommend her to others.
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Neil Johnson on August 30, 2021 at 5:33 pm

I really enjoyed working with Lisa. Every bit of information she provided was spot on from refund amounts, timing, funds needed, etc. The process was simple. A real professional and I would recommend her to anyone wanting to refinance their home loan.
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Sandra Tomlin on September 2, 2021 at 7:13 pm

My mom and I had the opportunity to work with Lisa recently regarding our home purchase and our experience was nothing short of excellent. She was professional yet warm, responsive, and got the job done in record time! I would highly recommend her.
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janet glaubke on September 28, 2021 at 2:46 am

excellent service
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Nancy on October 31, 2021 at 1:26 am

We could not have been in better hands than Lisa’s as she guided us through our refinancing experience. She kindly, calmly and accurately answered all of our questions. She made the process stress free for us.
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Tyler S. on November 19, 2021 at 3:18 am

Lisa was easy to work with, responsive, and got us a law rate on a home for our young family. Recommend.
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Yuneisy Fincher on December 6, 2021 at 2:35 pm

I worked with Lisa for about 6 months while trying to buy a house. With the current market being the way it is, I put offers on 3 homes I did not get. Lisa was so responsive and quick to any requests my realtor and I made each time (and there were many). It didn't matter if it was a weekend or early in the morning, she was right on it.

Finally my 4th attempt was successful, and great part of that success was due to Lisa's promptness and knowledge. The entire process was quick and smooth. She walked me through each document, and answered every question we had.
I couldn't be happier and more grateful.
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Dr. Scott Sawyer on December 29, 2021 at 1:49 am

Lisa is tenacious and gets the job done! She coordinated all the details and made the whole process run smoothly, plus she communicated with our banks to get a great low rate. We highly recommend her.
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Joe Wright on March 14, 2022 at 4:15 pm

As a real estate professional, I appreciate Lisa’s wealth of knowledge in helping my clients with their questions and finding the right loan for their needs.

Lisa just closed a refinance on a property I own in Santa Cruz. She had the best available rate and the process went smoothly after she had all documentation needed. I look forward to working with her professionally and personally for all of my future real estate loan needs.
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Craig Cox and Gabriel Padia on March 17, 2022 at 2:23 am

We’ve used Lisa for several home purchases and refinancing, and she always makes things easy for us, even when we’ve had not-so-easy needs. She is responsive, attentive, and makes sure everything gets done without delay.
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Jamie on April 9, 2022 at 4:29 pm

Lisa helped us as first home buyers and made it a seamless experience. She was knowledgeable and patient while explaining the intricacies of the mortgage process. Lisa was responsive and worked diligently to close promptly. I would highly recommend Lisa!
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Shanna and Stephen Edwards on November 9, 2023 at 5:18 am

I cannot say enough praise about Lisa ! She made our dreams come true , and literally walked us through every step . She was on it ! Every step it was incredible!
closest thing to a fairy godmother of home buying you can get ! Thank you a million times over Lisa from the bottom of my heart !
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Jon Hanson on November 16, 2023 at 7:13 pm

Lisa is simply the best when it comes to qualifying you for a home loan and handling every step of the transaction from start to finish. She has pulled through for us numerous times over the past few years. We appreciate Lisa’s kindness, dedication and thoroughness!
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