Home Loans

Refinancing     If you have a home in California and you're looking to refinance your current home loan, Montecito Bank & Trust offers you hundreds of loan programs from which to choose, at very attractive rates. And you can obtain loan funding in days, not weeks, if you desire. Please contact one of our loan officers for more information. We offer the widest variety of loans available anywhere. Pick the home refinancing option that best suits you. 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 to $300,000 Cash-out loans available Land and construction loans And many, many more! There's not a home loan we haven't worked with already. Whether you're looking for conventional home refinancing or innovative loans such as our 100% loan program, put the experience of Montecito Bank & Trust to work for you. And if you have less-than-perfect credit, we may still be able to help you with your home refinancing. Don't delay; Now's the time to act! Now is the time to contact one of our professional loan officers to discuss your individual situation and find the loan which is just right for your home refinancing. And remember, there's no obligation!