Joe Hutson
VP of Mortgage Lending

I am a born and raised Santa Cruz, CA resident, happily living with my wife Mary and our puppy Lakey on Santa Cruz's West side. My goal in life is to be happy and healthy and to help make people around me happy and healthy. To achieve this goal, I focus on my physical and mental health, I emphasize my relationships with family and friends, and I stay true to the core values shared with my family, friends, and community. I have been originating home loans in the mortgage industry since October 2011. My goal in business is to originate mortgage loans with a particular focus on exceeding customer service expectations, providing clear and concise communication, having comprehensive product and industry knowledge, and delivering a competitive rate and cost structure to meet the borrower’s financial needs. I love my job as a loan originator because many clients become friends and family, and many friends and family become clients. I am an emphatic believer in the value of home ownership; for strengthening our neighborhoods and our communities, and for building financial stability and long term wealth for families and individuals. The American Dream is built around home ownership, and it is a genuinely rewarding experience to help the dream come true for my clients. As an an ocean and outdoor enthusiast, I love spending time with my wife on the surf, on the trails, or in the hills. From redwood trees to coyotes, giant bull kelp to sea otters, nature energizes my soul. I am fascinated by all the creatures and critters that make our world wonderful in the ocean and on the land. The many selfless and giving people in our community also fuel my daily inspiration. Please join me in support of “Operation Surf" (amazingsurfadventures.org/events/operation-surf-santa-cruz/)" and “Save the Waves" (www.savethewaves.org), two wonderful non-profit community organizations looking out for our military heroes and the coastal environment, respectively. Thank you for visiting my bio and I look forward to the opportunity to meet and work with you.

Helpful tools and resources
The Best Mortgage Experience logo
The Best Mortgage Experience
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Loading Rates...

Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.