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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.  


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


Our Portfolio loans are underwritten, approved and funded right here in Santa Barbara. 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
  • Non-occupant Co-borrowers
  • Non-traditional income
  • More!


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.

  • Loans with as little as 3% down to $417,000 loan amount
  • Fixed and Adjustable Rate loans
  • Jumbo loans over $625,500
  • So many products—let us help you decide which is best for you!