Mortgage Lending

Whether you want more space for friends and family, or a backyard for your kids to play in, our local team of knowledgeable mortgage lenders is ready to help you make the move into a new home. See how our variety of financing options and terms to fit your budget can help make it happen.

  • Loans up to $5,000,000*
  • Owner occupied, second homes and investment properties up to 4 units
  • Purchases, Refinances, Refinances with Cash Out
  • Fixed-rate and Adjustable-Rates
  • Local Market Expertise
  • Single family, PUDs, condos, manufactured homes, hobby farms

* Credit approval required


Local Experts Here for You

Home buying can be an exciting and rewarding process, if you have the right team! Our locally based, highly qualified, full-service and respected mortgage team is committed to making home buying as smooth and simple as possible, whether it’s your first purchase, or you’re a seasoned buyer.

Questions? Call Christine Gonzales - NMLSR#996017 - at (805) 979-4478 or Mayra Cummings - NMLSR#248849 - at (805) 979-4479


Mortgage Loan Originators

In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) below are the names of our Mortgage Loan Originators and their unique identifiers.

All licensing and registration information is maintained by the Nationwide Mortgage Licensing System and Registry which can be found at: http://mortgage.nationwidelicensingsystem.org.

Montecito Bank & Trust's NMLSR #472185

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