June is National Homeownership Month!

A home can be many things – a virtual classroom, a yoga studio, a remote office, a familiar location to spend time with friends and family, or a space to just relax. This month MB&T is celebrating the many ways our communities are #CreatingHome and we're helping educate buyers about the benefits of homeownership and providing the loan to acquire their new home.


Benefits of Homeownership

Value Appreciation

Financial Stability

Build Equity

Tax Savings

A Place to Call Your Own


The Home Buying Process

Buying a home is an important milestone for anyone, but it can be intimidating when you’re not sure what to expect. We've highlighted the main points in the home buying process to prepare you for what can and should be a very exciting step in your life.

1

LOAN PRE-APPROVAL
(application and documentation submitted)

2

HOME SEARCH
with a real estate agent

3

SUBMIT YOUR OFFER & ITS ACCEPTED

4

APPRAISAL (for lender) & HOME INSPECTION (for buyer)

5

REVIEW OF THE ENTIRE FILE
by the processor & underwriter

6

FINAL LOAN APPROVAL

7

CLOSING DOCUMENTS PREPARED & SIGNED
by buyer and seller

8

LENDER FUNDS LOAN

9

CLOSE OF ESCROW
(title recorded with county)

10

ESCROW COMPANY DRAFTS PAYMENT TO SELLER

You move into your new home!


Our Home Lending Products

  • Purchase

    From fixed rate to adjustable loans, we offer a variety of financing options and terms to fit your budget

  • Refinance

    Take advantage of low interest rates to lower your monthly mortgage payment or shorten your loan term.

  • Cash-Out Refinance

    Tap into your equity and use those funds to complete a remodel, consolidate debt, or cover a major expense.

  • Construction, Land & Bridge

    We offer three financing options to help you build your dream home.

  • Home Equity Line of Credit

    Tap into your equity to cover large expenses associated with home renovations, college tuition, consolidating debt, or other types of expenses.

  • Manufactured Home Loan

    Mobile homes can offer more flexibility than traditional homes at a much lower cost.

  • WISH Grant

    The WISH grant offers eligible low- to moderate-income households a matching grant of up to $22,000 that can be applied to down payment & closing costs.


Local Experts Here for You

Home buying can be an exciting and rewarding process, if you have the right team! Our locally based, highly qualified, full-service and respected mortgage team is committed to making home buying as smooth and simple as possible, whether it’s your first purchase, or you’re a seasoned buyer.

Ryan Plowe

Ryan Plowe

VP / Residential Mortgage Sales Manager

NMLSR ID# 826292

Christine Gonzales

Christine Gonzales
Ventura County

AVP / Senior Residential Mortgage Loan Originator

NMLSR ID# 996017

Gina Blankenship

Gina Blankenship
Santa Barbara County

Mortgage Loan Originator

NMLSR ID# 380975

Olivia Brown

Olivia Brown
Santa Barbara County

Mortgage Loan Originator

NMLSR ID# 879698