Conventional Loans
A widely used option for buyers with steady income and established credit. Terms and down payment requirements vary by lender and borrower profile.
Learn moreLoan Solutions
The right structure for your situation.
Every borrower's picture is different. These are the financing paths Vicky works with most often — the consultation is where we narrow them down to the one that fits.
Programs
Financing options.
Program availability, terms and eligibility vary by borrower and property, and are subject to underwriting approval.
FHA Loans
Government-insured financing that may allow more flexible credit and down payment guidelines. Mortgage insurance requirements apply.
Learn moreVA Loans
Financing for eligible veterans, active-duty service members and qualifying surviving spouses. Eligibility is determined by the VA.
Jumbo Loans
For loan amounts above conforming limits, which is common in Santa Barbara and coastal California markets.
First-Time Homebuyer Programs
Program options built around buyers purchasing their first home. Vicky helps you understand what you may qualify for.
Learn moreDown Payment Assistance
California offers assistance programs for qualifying buyers. Availability, funding and eligibility rules change over time.
Learn moreSelf-Employed Borrower Solutions
Documentation options for business owners and 1099 earners whose tax returns don't tell the whole income story.
Learn moreNon-QM Loans
Alternative documentation financing for borrowers whose situations fall outside standard agency guidelines.
Learn moreDSCR Loans
Investor financing qualified primarily on a property's rental income rather than personal income documentation.
Learn moreInvestment Property Financing
Financing structures for rental properties and portfolio growth, including multi-unit scenarios.
Learn moreRefinancing
Rate-and-term or cash-out options, reviewed against your current loan, timeline and long-term plans.
Learn moreNext 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