Please call (805) 565-5750 or email any of our experienced and knowledgeable Loan Consultants for a Free No Obligation Consultation.

Your Loan application can be completed over the phone without having to fill out a single form. If documents need to be copied we will do that for you. All information remains strictly confidential.

Rates
Don’t be fooled by media advertising. Mortgage rates change daily and sometimes even more than once a day.  Your rate will be determined by a number of factors including your credit score and the appraised value of your property.

Frequently the rates you see advertised are NOT the true rate you will pay because they may include:

• Points (each point costs 1% of the loan amount)
• Hidden fees
• Pre-payment penalties   (penalties of up to 6 months interest if you refinance or sell the property within a specific timeframe)

To get an accurate rate quote, it must be personalized to reflect your individual situation and needs. 

Worried About Credit?
Don’t let concerns over your credit history stop you. The most important thing is to learn what is on your report, determine what impact that information has on your credit rating, and work on repairing and restoring any damage that may have been done. We are trained and have experience in helping our clients improve and correct any credit reporting information. Contact us to obtain a complimentary copy of your credit report.

To discuss your credit history and mortgage needs, please call (805) 565-5750 or email any of our Loan Consultants.

Santa Barbara Office Phone: (805) 565-5750 fax (805) 966-7566.... Contact Us 
Licensed By Dept. of Corporations Lic# 6031740