About Us

PFS Mortgage Loans of Santa Cruz is owned by Dennis & Diane Black. They have 41 years of combined experience in Real Estate & Lending Services.

Our company provides Mortgage Loans to consumers. We do the following:

• Purchase & Refinance
• 2nds & Equity Lines
• Construction & Commercial
• Pre-Qualify By Phone
• 100% Financing Available
• All Credit Types

We see our role as helping our borrowers choose a loan that meets their overall short and long-term financial goals and their payment and equity objectives. We believe our borrowers should experience service from our company beyond their expectations. Our motto is "Experience and Teamwork that Works for You".

Our customers count on us not only to have competitive rates, but they appreciate our knowledge and experience. Our customers have come to expect an unsurpassed level of communication from application to the closing of their loan.

Diane is a native of Santa Cruz County. Dennis is a native of California and moved to Santa Cruz in 1968. They are committed to actively giving back to the community in which they live.