Libbey Blumberg is a dual licensed Realtor and Mortgage Broker who has spent more than 25 years mastering every aspect of the home buying process. Licensed since 2001, she is known throughout Santa Cruz County, Monterey County, and Santa Clara County as a highly knowledgeable and dedicated advocate for buyers.

What sets Libbey apart is her expert understanding of the entire transaction, including lending, contracts, escrow, title, appraisals, underwriting, inspections, negotiations, insurance, and property valuation. Instead of forcing clients to coordinate multiple professionals, she provides a true one stop shop experience with one trusted expert guiding the process from start to finish.

Libbey’s business model is built around protecting buyers financially. Unlike many retail lenders that build profit into the rate through yield spread premiums, origination fees, or temporary financing gimmicks, she offers true wholesale mortgage pricing with no built-in yield spread premium and no origination junk fees. Her focus is not on telling buyers to “date the rate,” but on helping them secure sustainable long term fixed rate financing from the start. 

A longtime local resident, Libbey has deep knowledge of the neighborhoods, schools, mountain communities, coastal markets, and property values throughout the Central Coast and Bay Area. Her expertise comes not only from decades in the industry, but from decades of living and working in the communities she serves.

Libbey is also deeply committed to housing advocacy and community service. In 2003, she helped establish the Santa Cruz County Housing Foundation, a nonprofit focused on helping first responders, working families, and blue-collar community members achieve homeownership in one of California’s most competitive housing markets. She believes homeownership creates long term stability, dignity, and financial empowerment for families and future generations.