Associated Home Loans 


We have worked with Trish on several home loans over the years (from refinancing to new loans) and she is just great! She knows her clients and shops for the best interest rates and terms. She is proactive and calls you when she thinks there is a better product out there. At one point, several people in my office were all refinancing with her. Trish makes shopping for a loan easy!

Santa Cruz

I have Known Trish Ward for close to 30 Years! She has helped me over those years with new mortgages and refinancing existing mortgages. Trish is an expert in her field and has the ability to complete the work that is necessary to bring confidence to the borrower! In short Trish Ward gets the JOB DONE! Would highly recommend her to anyone looking to get a new mortgage or refinancing done.

Scotts Valley

I've work with Associated Home Loans since the 90's. I've done at least 9 mortgage transactions through them. Buying homes can be a really stressful process with all the inspections, paper work, dead lines etc... and it is so nice not to have the mortgage process to worry about on top of all of that. I've had quite a few realtors over that same period of time but always go back to Associated Home Loans. I only give people repeat business who deserve it. I know Associated Home Loans has my best interest in mind. I completely trust them.

Scotts Valley

Trish Ward is a powerhouse of efficiency, knowledge, judgement, good advice and respect. We know this from almost 20 years of dealings with Trish in Mortgages, Refinances, and Insurance. You can add consistency to her accolades. She has never failed to respond immediately to any inquiry from us over the years. It was our good fortune to run into Trish at an open house over 20 years ago. We recognized her expertise then and she has been our "go-to" person ever since. From the time we contact her to the date of signing documents it is always less than a month. Aside from waiting on the appraiser, her part is usually completed in 2 weeks. We're astounded at her efficiency. In fact, we often compare other business men and women with her. Unfortunately, most people come up short in the comparison. Trish's knowledge of interest rates, home loans and how to qualify are comprehensive and current. She has saved us more than once and we trust her judgment completely. We admire her as a hardworking business woman and a quality human being.

Melissa & Fred
Santa Cruz

"Let's face it: getting a mortgage or a refi is a real chore. You need an expert to help guide you through the process. Trish Ward at Associated Home Loans is that expert! Before I met Trish, I worked with 3 other mortgage brokers with experiences that ranged from ok to horrific. Thankfully I was introduced to Trish about 15 years ago, and I have not worked with any other mortgage brokers since. Trish is smart, professional, knowledgeable and will work tirelessly to find the best loan for you. Our refi's have been legally and financially complex, and Trish has handled all our complications sure-handedly. I highly recommend Trish and Associated Home Loans."

Santa Crz

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