Your go to mortgage company near Santa Barbara, CA celebrating its 26th year in business.  In order to assure consumers are finding the best Santa Barbara mortgage rates it’s important to shop around.  We encourage Santa Barbara consumers to compare so they can see on paper how good we really are.  It’s common misconception for Santa Barbara borrowers to think popular lenders and banks offer a better mortgage.  This couldn’t be further from the truth, always know our Santa Barbara wholesale mortgage rates are lower.  A wholesale rate equals a lower payment, saving thousands over the life of the mortgage.  Work with a local mortgage company near Santa Barbara, CA and enjoy the savings of a wholesale mortgage.

When it comes to Santa Barbara, CA home loan options we have them all.  Every day Santa Barbara welcomes new home buyers while current residents refinance their homes.

Home Buyer Options

Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a Santa Barbara, CA home buyer grant to cover the down payment.  Our fair and bruised credit borrowers like the Santa Barbara FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores.

Refinancing Options

When it comes to refinancing your Santa Barbara, CA home you have options.   Rate and term, cash out, and debt consolidation are all common reasons to refinance a home.  When mortgage rates drop consumers refinance to a lower rate to save on their payment.  Some consumers who have adjustable rate mortgage loans refinance into a fixed rate.  Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term.  When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option.  Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever.  Santa Barbara residents are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Mortgage experts near Santa Barbara, CA are standing by and ready to help.  Connect with a licensed Santa Barbara home loan specialist, ask questions, see if you qualify, and get free quotes. Call Today (888)416-0920

We are the #1 rated mortgage company near Santa Barbara, CA.  Regardless of what a consumer thinks, Santa Barbara, CA Mortgage Brokers offer a wholesale rate and lower costs.  Going directly to the bank or a mortgage lender is not a better option.  If you are in doubt, it is always a good idea to get a couple of quotes and compare them.  If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920.  A Santa Barbara, CA Mortgage Broker will be able to offer you more programs.  Banks and Lenders have set mortgage guidelines including set credit score limits.  Mortgage Brokers in Santa Barbara, CA can work with all types of credit scores.

• No Application Fee
• Wholesale mortgage rates
• A+ Rating with the BBB
• Refinance with Cash Out
• Grants for New Buyers
• 5 Star Excellent Rating

Find a Mortgage Company near Santa Barbara, CA (888)416-0920.