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MORTGAGE CENTER
At The Bank of Santa Barbara we understand the challenges of residential finance in today’s market. At the same time; however, we recognize the opportunity to take advantage of historic low interest rates. Whether you are buying or refinancing, we have programs that may fit your specific needs.
PURCHASE
The Bank of Santa Barbara can help you with purchase financing for a New Home or a Second Home. We even have funding available for 1 – 4 unit Investment Properties. (Look at our Commercial Real Estate Tab or 5+ units)
CONSTRUCTION
The Bank of Santa Barbara can help you build your dreams, literally. With a construction loan from The Bank of Santa Barbara we can help you all the way through the construction process. We work with your architect and builder to ensure that you have the funds necessary to complete your project to the plans and specifications you establish. With flexible terms and conditions we can help you with terms from 6-months for small projects, to 12, 18, or 24-months for larger more complex endeavors. Let The Bank of Santa Barbara help you build your dreams.
Ask about our Construction to Permanent loan program that saves you time and money as you get both a construction loan and a permanent loan with a single application.
The Bank of Santa Barbara also has money for Factory Built homes or for Remodels or Rehab projects.
REFINANCE
With interest rates at historic lows, this might be the right time to consider a refinance. We can work with you to analyze your particular situation. In many cases, we can save you thousands of dollars in interest expense over the life of your mortgage and improve your monthly cash flow.
OPTIONS:
The Bank of Santa Barbara has the right mortgage solution for you. We have Fixed Rate or Variable Rate options as well as Interest Only loans. We can also accommodate Super Jumbo Loans up to $7,000,000. And don’t forget about Home Equity Loans to provide back-up liquidity or funding for Home Improvements.
For Residential Loans Contact:
Elizabeth Winterhalter
Tel: 805.730.7882
Fax: 805.730.7899
eliz.winterhalter@banksb.com
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