Lisa Cardoza

Loan Officer

(831) 227-9399
[email protected]

NMLS: 389926
3060 Valencia, Suite 3
Aptos, California 95003
(831) 689-8500

State Licensing Information: CA-CA-DOC389926

My Reviews

20 Reviews

  1. Stephen & Mildred Honeywell

    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.

    Reply
  2. greg rohner

    Great experience extremely helpful through the entire process.

    Reply
  3. Mark Brynildson

    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!

    Reply
  4. Tracy Yu

    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!!!

    Reply
  5. Marcos Ramirez

    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.

    Reply
  6. KAREN BOURGEOIS

    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.

    Reply
  7. Byron Rifkind

    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!

    Reply
  8. Steve Gregori

    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!!

    Reply
  9. James Bostick

    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.

    Reply
  10. Karen L Hendricks

    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.

    Reply
  11. Neil Johnson

    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.

    Reply
  12. Sandra Tomlin

    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.

    Reply
  13. janet glaubke

    excellent service

    Reply
  14. Nancy

    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.

    Reply
  15. Tyler S.

    Lisa was easy to work with, responsive, and got us a law rate on a home for our young family. Recommend.

    Reply
  16. Yuneisy Fincher

    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.

    Reply
  17. Dr. Scott Sawyer

    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.

    Reply
  18. Joe Wright

    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.

    Reply
  19. Craig Cox and Gabriel Padia

    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.

    Reply
  20. Jamie

    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!

    Reply

Premier Mortgage Resources Blog

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Premier Mortgage Resources, LLC is not affiliated with or an agency of the federal government. The material is not provided by, nor has it been approved by the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any Government agency.

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Any programs shown do not demonstrate all options or pricing structures. Not all customers will qualify. Terms, programs, and underwriting policies are subject to change without notice. Some products or loan amounts may not be available in all states. Other restrictions may apply.

Refinances

By refinancing your existing loan, the total finance charge may be higher over the life of the new loan.

100% Financing Programs

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.

ARM Loans

After the initial fixed-rate period on an Adjustable Rate Mortgage (ARM) loan, your interest rate may increase periodically (annual or semi-annually) according to the market index. If the interest rate resets, your monthly mortgage payment may increase.

Lower Rates

Lower rates typically have higher closing costs in the form of discount points.

About HECM (Reverse Mortgage)

At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or you must otherwise repay the reverse mortgage with interest from your other assets.

We may charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which will be added to the balance of the reverse mortgage loan

The balance of the reverse mortgage loan grows over time and interest is charged on the outstanding loan balance.

You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may be subject to a tax lien or other encumbrance or to possible foreclosure; and

Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan

Reduced Documentation loans (No Doc, No Income/No Asset, Stated Asset, No Ratio)

These products may have higher interest rate, more points or more fees than other products that require more documentation, including income documentation.

Tax Exemption/Deduction

Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.

Opinions

Any opinions expressed within blogs, videos, podcasts, interviews, presentations, or other online content are solely the opinions of the individual/author and do not represent the opinions or policy of Premier Mortgage Resources, LLC.

Texas Complaint-Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT http://WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT tel:18772765550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMNT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT http://WWW.SML.TEXAS.GOV.

Want to learn which mortgage options might be
right for you and your unique financial situation?