Finance your dream home in Santa Barbara Imagine buying your dream home. Connect with a lender to help you make it happen.

Our team of local financing experts are ready to guide you through the home buying process. We are committed to fast, professional, courteous and personal service to help you understand and feel at ease throughout the home buying process. Our trained and certified loan originators specialize in financing homes in the Santa Barbara area real estate market. We are prepared to find the right loan program with competitive rates and low down payments for you.


The first step in any home search should involve getting pre-approved. Fortunately, this step is quite easy! In fact, in most cases, I can get you conditionally pre-approved before you find a property to buy you with just a few pieces of paperwork:

  • Latest two years Fed tax returns with all pages (I don’t need state returns)
  • Latest two pay stubs for all borrowers (if you are an employee of a company)
  • Latest two W2s (again, if you are an employee)
  • A brief email indicating the amount you have available for a down payment. Also, indicate if any of the down payment funds will be gifted from a friend/relative

This paperwork can be emailed or faxed these to me. Also, if you have time, it would be helpful for you to visit my web site at  and submit the very brief online form on the right side of my home page. I will get an email notice once you submit the form. After I review your paperwork and your online pre-qual information, I will contact you to give you your exact purchase price range.


Financing a home purchase can be a bit overwhelming. Whether you are a first-time homebuyer or a seasoned real estate investor, you are bound to have a number of questions. That’s why I have created a video library of frequently-asked loan questions. This library has short, informative videos designed to answer some of the most common questions that come up during a typical loan transaction. I am adding new videos weekly so feel free to browse the videos and please forward them on to anyone you know who may benefit from them.

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Creditors and lenders use your credit score to determine if you’re creditworthy. Even the slightest financial hiccup can raise a red flag. Here are the biggest offenders

2014 Conforming Loan Limits Expected to Drop – What This Means for Me

Conforming loan limits will likely be reduced in 2014, which would make it harder for some home buyers to qualify for conforming home loans. Click here to find out why.


All the best,

Ruben Lopez

Sales Production Manager
Provident Bank Mortgage
Office: 805.884.4951


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Austin Lampson

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Let me know how I can assist you with your Santa Barbara mortgage needs. I am here to help!