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We offer Mortgage Loans to fit your needs.  We know our market and our customers.  Contact us today for a no cost pre-approval.  


Portfolio Loans

Our Portfolio loans are underwritten, approved and funded right here on the Central Coast. We offer fast, courteous and creative solutions for your situation. We provide Portfolio financing for:

  • Non-warrantable condominiums
  • An investor who already has 10 mortgage loans and wants to finance another property
  • Cash out on investment properties
  • Hobby Farms
  • Bridge/Temporary Financing
  • Loans to Trusts
  • Non-occupant Co-borrowers
  • Non-traditional income
  • More!

Conventional Loans

We have access to many loan programs available in the market. We keep you informed from initial application through funding to ensure a smooth transaction.

  • Fixed and Adjustable Rate loans
  • Jumbo loans
  • So many products—let us help you decide which is best for you!

Home Equity Lines of Credit

  • Tap into your home's equity:
    • Do some home improvements
    • Take a trip
    • Send your kids to college
    • create a safety net
  • Revolving line of credit
  • Interest only payments
  • Only pay on what you owe
  • Primary residence, second homes and investment properties

Contact Us

Lori Murray, SVP/Residential Lending Manager

Lori Murray



Phone: 805 730 4985

NMLSR #: 742373

Address: 18 E Figueroa St, Santa Barbara CA 93101

Crystal Rem, VP/Residential Lending Officer

Crystal Rem



Phone: 805 730 4985

NMLSR #: 809030

Address: 18 E Figueroa St, Santa Barbara CA 93101

Maria Lyon, AVP/Residential Lending Officer

Crystal Rem



Phone: 805 540 6239

NMLSR #: 370362

Address: 1085 Higuera Street, San Luis Obispo CA 93401

Mark Chandler, AVP/Residential Lending Officer

Mark Chandler



Phone: 805 296 1681

NMLSR #: 742379

Address: 1601 Spring Street, Paso Robles, CA 93446



Access our Online Mortgage Center to access mortgage calculators including:

  • Calculate mortgage payments
  • Detailed payment schedules
  • How much can I afford?
  • What if I want to make extra payments?
  • Rent vs. Own
  • Refinance Interest Savings