About
Experience you can hear in the first conversation.
For more than 25 years, Vicky Reese has guided Central Coast families, first-time buyers and investors through the mortgage process with clarity, honesty and steady communication.
Her approach
Straight answers, start to finish.
Vicky built her practice on referrals from clients and real estate partners who value the same thing: someone who explains the numbers plainly, returns the call, and tells you when a deal isn't the right one.
Based at 3820 State St, Suite D in Santa Barbara, Vicky works with clients across Santa Barbara, Santa Maria, the Central Coast and California. Her experience spans conventional, FHA, VA and jumbo financing, first-time buyer programs, self-employed and Non-QM documentation, and investment property lending including DSCR.
That range matters on the Central Coast, where a single transaction can involve a jumbo loan amount, a self-employed borrower and a competitive timeline all at once. Knowing which structure fits — and which lender will actually perform — is the part that protects your escrow.
Vicky is a Senior Mortgage Loan Adviser with T.I.M.E. Lending, NMLS #460030, CA DRE #01466655.
In their words
What clients say.
Verified reviews from Vicky's public Yelp profile.
"Vicky is the best in the mortgage industry! She helped my spanish speaking family obtain their first home purchase. She made our first home buying experience simple. She is very caring and will communicate throughout the whole process. Her upfront honesty, trustworthiness and experience made our purchase stress-free and efficient."
Hernan H.
Santa Barbara, CA · Yelp Review
"I've been working with Vicky for years and highly recommend her! She is goal oriented, quick to respond and creatively works with her clients to achieve our goals! Great experience."
Kate G.
Repeat client · Yelp Review
"It was short. It was painless. It was perfect. My experience was smooth, professional and straight forward. Vicky was accommodating, diligent and efficient. Her staff were all excellent. This is not the first time I have done a loan with her. The first time was the same."
Marie A.
Repeat client · Yelp Review
Looking for program details? Browse loan solutions.
Next step
Let's talk through your options.
A conversation costs nothing and clarifies everything. Tell Vicky where you are and she'll tell you honestly what's possible — including when waiting is the smarter move.
Prefer to talk now? (805) 886-4052
Or book a time directly: Schedule a Consultation