Home Loans

Buying A Home      If you’re in the market for a new home in California, Montecito Bank & Trust offers you the variety of hundreds of mortgage loan programs, very attractive rates and personalized service. Please contact one of our loan officers for more information. We offer an astonishing variety of home loans Pick the financing option that best suits your needs. There’s not a home loan we haven’t worked with already. Choose from: Fixed rate mortgages Adjustable rate mortgages Low and no-documentation loans Jumbo and Super-Jumbo loans 95% loans to $630,000 100% financing programs E-Z qualifiers to $3,000,000 Estate loans to $5,000,000 FHA/VA mortgages Low-rate and low-cost first-time buyers programs Land and construction loans And many, many more! And if you have less-than-perfect credit, we may still be able to help you with home financing, even if you’ve been turned down before. Now’s the time to act! This is an excellent time to contact one of our professional loan officers to discuss your individual situation and find the home loan which is right for you. And remember, there’s no obligation