Libbey Blumberg is not simply a Realtor or simply a Mortgage Broker, she is a true dual licensed real estate and lending expert who has spent more than two decades mastering every side of the home buying process. Licensed since 2001, Libbey has built a reputation throughout Santa Cruz County, Monterey County, and Santa Clara County as one of the most knowledgeable and fiercely dedicated buyer advocates in the industry.

What makes Libbey different is simple; she understands the entire transaction at an expert level. As a mortgage broker, she must understand not only lending, but also contracts, escrow, title, appraisals, underwriting, inspections, negotiations, property condition, valuation, insurance, and the countless moving pieces that can make or break a transaction. While most buyers are forced to juggle a Realtor, lender, processor, escrow officer, and various third parties, Libbey provides a true one stop shop experience with one trusted expert guiding the process from beginning to end.

Her approach is designed entirely around protecting and empowering buyers. Unlike traditional retail lenders who often build hidden profits into the interest rate through yield spread premiums, origination fees, or temporary “teaser” financing structures, Libbey offers her clients something almost unheard of in the industry, a true wholesale mortgage structure with no built in yield spread premium and no origination junk fees. She does not believe in telling buyers to “date the rate” while hoping they can refinance later. Instead, she focuses on helping buyers secure a genuinely lower long term fixed rate from the start.

As longtime resident of Santa Cruz and the Bay Area she knows the neighborhoods, microclimates, schools, mountain roads, coastal markets, property values, and hidden opportunities throughout the region like the back of her hand. Her knowledge of the local market is not theoretical, it comes from decades of living, working, and building relationships throughout the Central Coast and Bay Area communities she loves.

Her dedication to housing and community service extends far beyond her business. As an original board member in 2003 Libbey helped establish the Santa Cruz County Housing Foundation, a nonprofit organization focused on helping first responders, working families, and blue-collar community members access homeownership opportunities in one of the most expensive housing markets in California.