Celebrate Homeownership with us!

Homeownership is the foundation of the American Dream and source of pride and accomplishment! We’re happy to help educate buyers and assist with lending needs to make homeownership a reality!


Benefits of Homeownership

Value Appreciation

Financial Stability

Build Equity

Tax Savings1

A Place to Call Your Own

  1. Consult a tax adviser for further information regarding the deductibility of interest.

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.

  • Hobby Farms

    A Hobby Farm Loan allows you to purchase a home with the land you need to get things growing.


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.

Ed Soto
Santa Barbara County

Senior Mortgage Loan Originator

NMLSR ID# 633117

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

Ray Sosa

Ray Sosa
Ventura County

Mortgage Loan Originator

NMLSR ID# 337832