GOT QUOTED A RATE?
LET ME BEAT IT.
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22
Years Exp.
8,893+
Families
$2.0B+
Funded
Potential Savings
ADJUST LOAN AMOUNT
Potential Monthly Savings
~$221*
HOW IT WORKS
Three simple steps to potentially save thousands on your mortgage.
Share Details
Enter your current rate and loan info in our secure form below.
We Analyze
Jim's team checks the market for better options tailored to you.
Get Savings
Receive a custom quote showing your potential monthly savings.
RATE TRENDS
See how 30-year fixed mortgage rates have changed over the past 90 days.
30-Year Fixed Rate History
Past 90 Days
Current Market Rate
6.46%
90-Day Low
5.98%
90-Day High
6.46%
Average
6.14%
WHY CHOOSE
JIM BLACK?
More than just a loan officer. A strategic partner for your wealth.
100+ Lender Comparison
We shop across 100+ wholesale lenders, not just one bank's limited rate sheet.
Blended Rate Mortgages
Keep your low rate while accessing equity. Smart strategies for modern markets.
24-48 Hour Approvals
Speed wins in this market. We move fast so you don't miss out.
Local Santa Cruz Expert
20+ years in the market. We know the agents, the areas, and the values.
WHY IT'S DIFFERENT?
I'm not a bank. I'm a broker.
Big banks have one set of products. If you don't fit their box, you're out of luck (or paying too much).
At Revest Loans, we have access to the entire wholesale mortgage marketplace. We force lenders to compete for your business.
My team and I specialize in creative financing solutions for Santa Cruz County homeowners. We know the local market, the property values, and the unique challenges here.
20+
Years Experience
100+
Lending Partners
REAL RESULTS FOR LOCAL FAMILIES
Jim showed us a blended rate option that saved us $847/month. Over 30 years, that's $305,000 in savings.
Mike & Lisa T.
Live Oak
Needed to buy before selling. Jim's bridge loan made it seamless. No rental nightmare, just one move.
Jennifer & Tom S.
Aptos
Three banks said no. Jim found a lender in 5 days. His network of 100+ lenders made the difference.
Robert K.
Capitola
READY TO BEAT THE RATE?
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