Our locally based, full-service mortgage team is highly qualified and committed to making home buying and refinancing as smooth and simple as possible, whether it’s your first purchase, or you’re a seasoned buyer. Contact one of our local experts today!

  • Loans up to $5,000,000*
  • Owner occupied, second homes and investment properties up to 4 units
  • Fixed-rate and Adjustable-Rates
  • Local Market Expertise
  • Single family, PUDs, condos, manufactured homes

* Credit approval required

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We offer three financing options to help you purchase or refinance your home.


Found your dream home? Let us help you make that dream a reality.


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.

Mortgage Loan Originators

In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) below are the names of our Mortgage Loan Originators and their unique identifiers.

All licensing and registration information is maintained by the Nationwide Mortgage Licensing System and Registry which can be found at: http://mortgage.nationwidelicensingsystem.org.

Montecito Bank & Trust's NMLSR #472185

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