Heather Wilbur at CrossCountry Mortgage

Senior Mortgage Advisor | NMLS #247788

5.0

(20)

Mortgage

Mortgage Loan Officer

Contact Info

(831) 600-1587

Santa Cruz, CA

https://www.ccm.com/Heather-Wilbur

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5.0

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Heather is the best! Very smart, quick to respond, gets it done - she has done several loans for us. I highly recommend!

Reply from Heather Wilbur

March 20th, 2026 06:18 PM

It means a lot to hear your continued trust in my services, Christopher. I'm glad I've been able to assist you with multiple loans and that you find my work efficient and responsive. Your recommendation is appreciated, and if you ever need...

Heather was so helpful, knowledgeable and patient with me. She was always willing to work as many senarios as possible and made me feel extremely comfortable and confident with my house purchase.

Reply from Heather Wilbur

November 26th, 2025 03:24 PM

I'm really pleased to know you felt comfortable and confident throughout your home buying process. It was important to me to explore every scenario to find what worked best for you. Thank you for your kind words, Stacey. If there's anything...

Heather Wilbur at CrossCountry Mortgage has received a review with 5 star rating from Laurie L

Heather was so helpful and wonderful! I feel like she had our backs throughout the process. She also got our house closed so quickly! Thank you!!

Reply from Heather Wilbur

November 11th, 2025 03:37 PM

I'm grateful for your kind words and for trusting me to help with your home purchase. It's great to know you felt supported throughout the process. Getting your house closed swiftly was my pleasure. If you ever need further assistance, just...

I’ve worked with Heather heather on 2 mortgages in the last 3 years and I wouldn’t want to work with anyone else. She is a true professional with in the in depth knowledge, communication skills, and work ethic to make this intense process run...

ive Worked with Heather before and it is an absolute delight! She is very knowledgeable, communicates well, and prompt in her responses. She made a 14 day escrow work for us without any issues! I think that really says it all.

Reply from Heather Wilbur at CrossCountry Mort...

April 25th, 2025 07:54 PM

It was a pleasure to work with you again. And I'm so happy we could make a 14 day escrow work. You and Grace were a huge part of that! I look forward to continuing to work with you both many more times in the future!

Heather really helped us walking through every possible scenario to make the most sense of what we could do with our financial situation. Her attentiveness, patience and analysis to our situation helped us take the big steps to get our first...

Reply from Heather Wilbur at CrossCountry Mort...

April 25th, 2025 07:55 PM

It really was my pleasure to serve you and Patrick. You guys made my job easy and also had such good questions along the way. I look forward to continuing to work with you both in the future!

Accommadating to our schedule as we work night shift .

Reply from Heather Wilbur at CrossCountry Mort...

April 7th, 2025 03:40 PM

It was my pleasure that I could accommodate your schedule and assist you effectively. You both were promt to get me everything I needed and had such great questions along the way! Thank you for the positive feedback. If you need any further...

The entire experience was smooth and easy. Dealing with a mortgage and the money piece of buying a house is super scary, but Heather is super organized and personable and made the experience enjoyable. I highly recommend.

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About

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Santa Cruz, CA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #247788 | Branch NMLS #2306642

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Conventional Home Loan

Specialities

Conventional Loan

VA Loan

Jumbo Loan

Fixed Rate Mortgage

Adjustable Rate Mortgage