COMMENT 200208
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2011-08-04 02:40 PM |
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Jennifer Ellison at Summit Funding
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COMMENT 200209
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2011-08-04 02:45 PM |
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Debbie Brosnan of DBR Mortgage. She is easy to work with and will work hard to help on attain their needs.
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COMMENT 200218
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2011-08-04 03:08 PM |
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Kelly Marsh from Broadview Mortgage is THE BEST. I have worked with her for several home purchases and refinances.
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COMMENT 200219
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2011-08-04 03:09 PM |
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Elizabeth Winterhalter at Bank of the West. Great service! (805) 979-9737.
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COMMENT 200221
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2011-08-04 03:10 PM |
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Gail McAdams at McAdams Financial Services.
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COMMENT 200222
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2011-08-04 03:13 PM |
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Allison Keenan at Santa Barbara Bank & Trust. 805-681-7268. Super easy to work with and very informative throughout the entire process.
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COMMENT 200229
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2011-08-04 03:26 PM |
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Cindy Eyanson at SBB&T over 20 years expeience. Give her a call at 892-5545.
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COMMENT 200232
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2011-08-04 03:33 PM |
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I second the recommendation for Kelly Marsh, Broadview Mortgage. She's great.
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COMMENT 200241
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2011-08-04 03:44 PM |
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John Curry is great. He will crunch numbers over the phone. 818.437.6804 He came highly recommended by some friends that got great re-fi rates using him. The local person I went to made me copy the last two years of tax returns and all financial records, just to tell me I wouldn't be able to qualify for anything.... Hey, I spent $25 at Kinkos making copies... you could have asked a bunch of questions and told me straight-up that I wouldn't qualify before I wasted more money.....
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COMMENT 200254
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2011-08-04 04:05 PM |
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Terre Lapman at Community West Bank- 692-4344
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COMMENT 200258
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2011-08-04 04:09 PM |
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Second Cindy Eyanson...have done two deals with her.
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COMMENT 200263
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2011-08-04 04:14 PM |
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Susan Schneipp at Broadview Mortgage
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COMMENT 200264
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2011-08-04 04:15 PM |
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Jennifer Ellison At Summit. She works harder than anyone I know and I've done many a deal with her. She gets it done!!
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COMMENT 200267
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2011-08-04 04:22 PM |
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Susan Schniepp - Broadview Mortgage - 563.1100. She did a great job for us.
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COMMENT 200306
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2011-08-04 05:24 PM |
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I agree: Jen Ellison at Summit.
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COMMENT 200325
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2011-08-04 05:55 PM |
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Kelly Marsh at Broadview Mortgage. Very honest and knows the business.
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COMMENT 200355
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2011-08-04 07:22 PM |
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Remember if you are an employee of a company that is part of the Coastal Housing Partnership, you can use one of their vendor partners and save a LOT of $$$ on closing costs. Many of the lenders recommended in this thread are vendor partners of CHP.
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COMMENT 200358
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2011-08-04 07:45 PM |
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That's an oxymoron if ever I heard one
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COMMENT 200398
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2011-08-04 10:44 PM |
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Raegan Erdman at Santa Barbara Bank and Trust at 705-2713. Professional, smart and easy to work with.
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COMMENT 200407
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2011-08-05 06:07 AM |
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Kelly Marsh
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COMMENT 200408
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2011-08-05 06:18 AM |
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Kevin Cravens at Capital Lending Group 805.565.9100. Over the years, he saw us through two purchases and three refinances . Honest, great advice giver, creative and personable. Even in this day and age when available money is so tight, he made the process seem easy. Cannot recommend him enough!
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COMMENT 200411
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2011-08-05 06:31 AM |
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Use any of the people mentioned but most of it depends on you. Mortgage Brokers obviously get a commission off of your mortgage. Before you go to talk to one you should have a firm idea of what you are looking for and will accept. The broker will try to steer you to something else where they would be more commission. You must stand firm and not go along with something you don't want or doesn't meet your needs. And keep in mind that if you are doing a refi that there is no reason for them to charge you the full price again for title insurance. Most of the price is a kickback to the bank and the broker. See if you can negotiate that down.
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COMMENT 200426
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2011-08-05 07:19 AM |
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Keep it local: Matt O'Connor at Business First Bank Good guy; I have referred many people to him over the years and he treats everyone well.
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COMMENT 200440
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2011-08-05 07:45 AM |
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Re:411
There are no "kickbacks" from title insurance ever.
Brokers are capped on commission--they can't steer toward different loan programs thereby making more commission.
Laws have changed recently to ensure such.
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COMMENT 200458
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2011-08-05 08:18 AM |
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Julie De Marcus- in Santa Ynez I think
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COMMENT 200465
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2011-08-05 08:28 AM |
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It depends on the type of refi and your ability to qualify... Everyone can do the "plain vanilla" transaction with equity in the home, verifiable income, reserves and loans at/under $729,750. It's the "outside of the box" deals that get done more readily at a local bank with local underwriting, and the ability to keep the loan on their books (portfolio). Santa Barbara Bank & Trust can do all of this and it doesn't cost anything to have the numbers run for you... Raegan Erdman at the La Cumbre branch; 805-705-2713. Viva Fiesta!
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COMMENT 200476P
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2011-08-05 08:49 AM |
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Peter Trent at Paragon Financial.
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GBOB
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2011-08-05 08:50 AM |
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Will Cunningham at Community West Bank. People LOVE this guy!
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COMMENT 200544
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2011-08-05 10:56 AM |
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Anyone but Chase.
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COMMENT 200551
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2011-08-05 11:09 AM |
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Use Matt O'Connor with Business First Bank. Best broker in town hands down. 805-568-5566.
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COMMENT 200556
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2011-08-05 11:21 AM |
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The best is Fairway Mortgage. Real Savy and honest. Has done hundreds of purchase and refi loans. 962-4443 for a no obligation quote.
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COMMENT 200572P
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2011-08-05 11:45 AM |
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Craig Greene at RPM Mortgage - 256-1601. He's handled several re-fi's for us over the years. IMO it's not the company but the person, and Craig is a hard worker with the client's best interest in mind.
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COMMENT 200619
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2011-08-05 01:00 PM |
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Tricia Fiedler Hahn is the best for refinancing! 569-1975
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COMMENT 200687
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2011-08-05 02:37 PM |
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Kelly Marsh 100%!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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MADMAX
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2011-08-12 05:01 PM |
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Raegan Lepper is amazing!!!!!
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