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MB&T
Finance
Financing that helps communities rise, and people thrive.
Investing in affordable housing and community development is, at its core, an investment in people. At Montecito Bank & Trust we provide funding designed to help mission-driven organizations and housing partners turn complex projects into lasting community assets.
From early-stage feasibility through construction and stabilization, we pair thoughtful capital with responsive, local expertise. Our team supports everything from capital campaigns to affordable housing developments, and we are a trusted sponsor for Federal Home Loan Bank (FHLB) funding programs. Together, we work to create housing and community spaces that improve lives, strengthen neighborhoods, and help local families thrive.
Campaign timelines and construction schedules rarely line up. Our flexible capital campaign financing provides early funding so organizations can break ground, expand services, and complete community-enhancing projects while pledges are still being collected.
We offer predevelopment, acquisition, and construction loans that support affordable, workforce, senior, and supportive housing projects. Our team understands these complex funding needs and helps keep essential housing developments on track.
As a long-standing sponsor of FHLB Affordable Housing Program (AHP) grants, we guide partners through requirements, timelines, and competitive positioning. Since 1997, we’ve helped secure over $16 million in AHP funding across more than 1,240 local units.
MB&T collaborates with regional partners, including the Economic Business Council, Housing Trust Fund organizations, housing authorities, and local nonprofits, to help bring complex community projects to life. Our team delivers relationship banking, structured expertise, and a deep commitment to local impact from planning through completion.
Have a project in mind?
Email our VP, Manager of Community Programs and Events: Brianna Aguilar [email protected]
