Residential remodels and home improvement | 203(k) | Residential additions
Insurance restoration | Commercial tenant improvement | New construction
Foreclosures and short sales for investors

Residential remodels and home improvement 95062Residential remodels and home improvement

We remodel bathrooms and kitchens or entire homes. An updated kitchen or bathroom adds more value per square foot to your home than any other change you can make. Our clients are thrilled after their remodels, which transform their current homes into their dream homes.

If a permit is required, we are experts at navigating the permit process in the city and county of Santa Cruz. Our relationships with the Zoning, Planning and Building departments help push your permit through in a timely fashion.

During your remodel project, you can count on Cardinal Construction to be onsite every day until the project is complete.Our employees are extremely considerate while in your home. We recognize that a remodel canbe very disruptive and we take every precaution to minimize the disruption during construction.

We don’t use temporary day labor; anyone who comes to your home is a Cardinal Construction employee. We also have a strict “no smoking” policy for our employees, which our non-smoking clients appreciate.

We are known for our conscientious protection of your property while working on your site. Floors are covered, and all door openings are covered with plastic to prevent dust from traveling throughout the rest of your house.


203(k) Contractor

Buyers, Realtors and Lenders can feel secure hiring Cardinal Construction as their 203(k) contractor.

Your Local 203(k) Expert

The FHA 203(k) Rehab loan gives home buyers an opportunity to purchase a home in need of repair or remodel. With the 203(k) loan, buyers can purchase and fix up a home without having to pay out of pocket up front.

There are two types of 203(k) loans, the Streamline and the Standard/Full. Cardinal Construction is able to perform both types of repairs.

It is important to choose a qualified contractor to complete 203k repairs. A qualified contractor can help guide buyers. Cardinal Construction is familiar with the process, avoiding delays.

We write detailed estimates for the lender and the FHA
Our estimates help buyers place a value on the home repairs to make a purchasing decision
We are experts at completing the FHA required paperwork
We are comfortable with the escrow process and lender requirements

Once project starts, Cardinal Construction works quickly so that new homeowners can move in and enjoy their property as soon as possible.

We’ve completed 203(k) rehabs including:

  • - Bathroom remodels
    - Kitchen upgrades
    - Foundation structural repair
    - Roofing and gutters
    - Framing, stairs, railings, and decks
    - Plumbing repairs
    - Electrical repairs
    - Upgrades like flooring, windows, painting, new cabinetry and countertops

Residential additions Santa CruzResidential additions

We have built many additions for homes in Santa Cruz County, and nothing is more satisfying than adding more space to accommodate a growing family. Our beautiful additions help families stay in their current homes rather than move.

Adding a second story can sometimes double the size of your current home. The most popular additions are bathrooms, followed by adding space to enlarge a kitchen or living room, or by adding a bedroom. An extra bathroom can make all the difference for your family.




Insurance restoration - Fire, Water, Flood, EarthquakeInsurance restoration

Cardinal Construction works with all the major insurance companies for fire, water, flood, storm and earthquake damage claims. We help you from the initial clean up through the repair and restoration of your property. We use the insurance company’s approved estimating program and pricing, and we are familiar with their paperwork requirements. We work with your insurance company to get you back into your home as soon as possible during a difficult time.




Commercial tenant improvement

Apple Computer hired Melanie as Project Manager for the design build of their first retail store at Valley Fair shopping center in San Jose, CA. She went on to proudly oversee the detailed aspects of building the first 27 Apple stores.

Lockheed chose Cardinal Construction to build several facilities to house millions of dollars in specialized equipment for research and development projects. The construction project included many customized features specially suited to the site, weather conditions and equipment usage. Cardinal Construction remains on Lockheed’s list of preferred contractors.

State Parks of California has put Cardinal Construction on a list of select contractors for projects in California State Parks. Locally, you can see the redwood decks, stairs and other improvements we built for the Ranger Stations at Wilder Ranch State Park in Santa Cruz, CA.

Nourish in Santa CruzWe have worked on several other commercial projects in Santa Cruz, including Nourish, a well- known yoga and nutrition center at the corner of Walnut and Cedar Streets in downtown Santa Cruz.

We recognize the importance of completing your commercial project on time so that your business can open its doors. We are also aware of the disruption of building while your business is in operation, and we take measure to minimize the disruption, noise and dust to complete the work as soon as possible. We have been known to work during the night or on weekends so as not to disrupt normal business during regular business hours, a service our commercial clients appreciate.


Build new homes and garagesNew construction

We build new homes and garages, either after a teardown of the existing structure or on a new site. We can oversee all beginning aspects of your project including engineering, plans and permits. If your plans are already drawn, approved and permitted, we can start with a detailed, accurate estimate and build from that point to completion.

You’ll be provided with a schedule and daily updates to make sure your project is staying on track for completion. We are flexible during construction so that you can feel comfortable to make changes if needed.


Foreclosures and short sales for investors Santa CruzForeclosures and short sales for investors

For many investors, foreclosures and short sales are a great opportunity to buy, rehab and resell homes. We are currently working on distressed properties with investors all across Santa Cruz County, from the San Lorenzo Valley to Watsonville.

We are available for initial inspections, and detailed and accurate estimates to help you decide if the purchase would be a sound investment. After purchase, we have repaired and rehabilitated houses from foundation to roof for resale.


"Cardinal Construction is a great company, good work, friendly workers, follow-up is outstanding, and the best thing is the clean-up during and after the project is completed.  I will recommend Cardinal Construction to my friends and family."
Linda G, happy owner of a new deck.


"What I most appreciate about Cardinal Construction is their superb customer service. Mel and her work team are responsive, courteous and are always on time. Throughout our bathroom remodel, there was clear and timely communication between everyone involved in the project. This began with a very thorough and accurate estimate, and ended with our being 100% satisfied with the finished work."
Kristen N.


For a free consultation:
Call (831) 476-4144


Featured In

Businesses moving into Santa Cruz's 2030 North Pacific