Welcome to Black Oak Homes & Mortgages, your premier destination for Santa Barbara luxury real estate and custom mortgage solutions in the Santa Ynez Valley.
Cris Lapp – Santa Barbara & Santa Ynez Valley’s Premier Real Estate & Mortgage Expert
30+ Years of Experience | 9,000+ Closed Transactions | Luxury Home & Investment Property Specialists
Black Oak Homes & Mortgages, founded in 1989, is the trusted partner for discerning buyers, sellers, and investors in Santa Barbara and the Santa Ynez Valley. Offering a seamless, integrated approach to real estate and mortgage services, we provide a level of efficiency and expertise unmatched in the industry.
Why Clients Choose Black Oak Homes & Mortgages
- Unparalleled Expertise – Over three decades of success in luxury real estate and mortgage financing
- Exclusive, Integrated Services – A streamlined approach to buying, selling, and financing high-value properties
- Top-Rated in Santa Ynez Valley & Santa Barbara – A reputation built on discretion, market intelligence, and results
- Tailored Financial Solutions – From cash-out refinancing to custom mortgage structuring, designed for high-net-worth individuals
Comprehensive Services
- Luxury Home Buying & Selling – Expert navigation of the Santa Ynez Valley and Santa Barbara real estate markets
- Mortgage & Refinancing Solutions – Competitive rates and tailored financing options
- Construction & Renovation Loans – Funding solutions for building or enhancing your property
- Second Home & ADU Financing – Unlock the full potential of your real estate assets
- Land & Ranch Financing – Investment opportunities in Santa Ynez Valley’s most exclusive properties
The Black Oak Standard
- Client Privacy & Discretion – A trusted partner for high-net-worth individuals
- Efficiency & Market Expertise – Precision-driven transactions with proven financial benefits
- Strategic Cost-Effective Solutions – Maximizing opportunities while preserving capital
Inquiries & Private Consultations
Serving Santa Barbara, Santa Ynez, Los Olivos, Solvang, Ballard, Los Alamos, and Hope Ranch.
For confidential inquiries, contact Cris Lapp directly.
Phone: 805-538-6044
Website: BlackOakHomeServices.com
Client Testimonials
"We have closed six escrows using Cris Lapp and he is always tenacious and works extremely hard on our behalf. Thanks Cris and Staff." C.V.
"Cris and Black Oak gets a five-star rating from us." F.D.
"There are lots a good agents out there, but getting a home and loan from the same place saved us ten of thousands of dollars." L.L.
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We turn your real estate dreams into reality in the stunning regions of Santa Ynez, Los Olivos, and Santa Barbara County.
🏡 Why Choose Us?
Leveraging the power of cutting-edge AI technology, we provide unparalleled insights to help you navigate the real estate and mortgage landscape with confidence. Our team is known for its relentless dedication, ensuring your privacy is respected and your satisfaction endures long after the deal is closed.
Here’s What We Offer:
- AI-Driven Real Estate Solutions: Get personalized property recommendations and market analysis tailored to your unique goals.
- Unmatched Tenacity: We go above and beyond to secure the best deals and opportunities.
- Absolute Privacy: Your information stays safe with us.
- Enduring Satisfaction: Our commitment doesn’t end at closing – we’re here for your long-term success.
Whether you're buying your dream home, selling a cherished property, or exploring mortgage options, we’re your trusted partner every step of the way.
Ready to make your move? Contact us today and experience the Black Oak difference in Santa Ynez, Los Olivos, and Santa Barbara real estate.
Cris Lapp 805-538-6044
Discover Dolly Parton's Legacy in Solvang & Luxury Real Estate in Santa Ynez Valley
Explore the fascinating legacy of Dolly Parton in Solvang, CA. Her former home at 561 Alisal Road is a cherished landmark, showcasing her deep connection to this picturesque town. While photos highlight its charm, we kindly ask that you respect the privacy of current residents.
Thinking about upgrading your living space? Luxury homes for sale in Santa Ynez Valley offer breathtaking vineyard views, spacious estates, and incredible investment potential. Whether you’re looking for a ranch for sale in Santa Ynez or an elegant property in one of the best neighborhoods in Santa Ynez for families, we can guide you through every step of the process.
Looking to maximize your property’s value? Build an Accessory Dwelling Unit (ADU) with our tailored mortgage financing solutions. Whether for multi-generational living or a high-end guest retreat, ADUs provide flexibility, rental income, and long-term equity growth. Need financing insights? Check out our Santa Barbara mortgage lender reviews to find the best rates and options.
Did you know? Our office was the backdrop for a Vogue Magazine fashion feature with supermodel Bella Hadid—blending luxury and style in the heart of Solvang.
📍 Contact our expert Santa Ynez Valley real estate agents today to explore exclusive listings, including ranches, estates, and luxury homes in Santa Ynez!
WHERE SHOULD I BUY? BEST REAL ESTATE AREAS IN SANTA YNEZ VALLEY & SANTA BARBARA
"Looking to buy real estate in Santa Ynez Valley or Santa Barbara? The right location can make all the difference! Think about scenic beauty, privacy, large acreage, horse-friendly properties, and easy access to major cities. Here are our top six recommendations for finding the perfect home." Cris Lapp
BALLARD
The Old School House & Neighborhood Real Estate, and Bob's Well Bread
Ballard's origins date back to the 1880s as a Wells Fargo stagecoach stop, and is one of the most serene real estate areas in the Santa Ynez Valley and if you love Halloween, the block party is not to be missed! #ballard #horseproperty #bobswellbread #halloween #blockparty
From Stagecoach Stop to Real Estate, Wine & Art Haven ✨
Los Olivos became a bustling trading post and ranching hub in the 19th Century. Today, nestled in the heart of the Santa Ynez Valley, this charming town is the premier wine destination and vibrant art scene. #losolivos #winelovers #matteistavernauberge
Real Estate's Rising Star: Los Alamos Beckons Investors and Foodies Alike
Los Alamos is captivating the imaginations of both real estate investors and culinary enthusiasts and offers a unique blend of historic charm, emerging opportunity, and award-winning cuisine. #LosAlamosFoodie #SantaYnezValleyWines #CentralCoastEats
From historic cottages to sprawling estates, the Santa Ynez area has all types of homes and real estate opportunities.
With home options from historic cottages to sprawling horse estates, the growing market and limited inventory attract both residents seeking a slower pace and investors eyeing potential. #santaynez #sykitchen #chumashindianmuseum #chumashcasinoresort
Solvang’s real estate market blends Danish charm with Santa Barbara’s natural beauty, offering scenic views, European-style architecture, and a welcoming small-town feel in the heart of Santa Ynez Valley. Known for its proximity to world-class vineyards, outdoor activities, and annual events like Danish Days https://www.solvangdanishdays.org/, Solvang is ideal for those seeking an active yet relaxed lifestyle. The area features a variety of properties, from cozy cottages and luxury estates with horse facilities to investment-friendly vacation rentals, all close to essential amenities, local shops, and renowned dining spots. This unique mix of charm, convenience, and community appeal makes Solvang a highly desirable choice for homebuyers and investors alike. #solvang #danishdays #californiawinecountry
Santa Barbara real estate offers a unique coastal paradise where sun-kissed beaches meet vibrant cultural attractions, world-class wineries, and a lively music scene. Known for its Mediterranean-like climate, Santa Barbara draws celebrities like Oprah, Harry, and Meghan, enhancing its allure as a premier real estate destination. This scenic locale invites residents and visitors alike to enjoy a rich lifestyle filled with opportunities to connect, explore, and indulge. With its picturesque charm and luxurious amenities, Santa Barbara is the perfect coastal escape. #SantaBarbara #Montecito #HopeRanch
Vandenberg Space Force Base https://www.vandenberg.spaceforce.mil/, situated on California's central coast (near Lompoc) is a key launch site driving advancements in space exploration and SpaceX https://www.spacex.com/ satellite deployment. Lompoc offers a multitude of real estate opportunities for the first time homebuyer to 1,000 acre horse and cattle ranches. #spacex #rocket, #space, #elonmusk, #nasa, #spacex, #rocketlaunch, #deltaiv, #falcon9, #launch #horseproperties #ranches
Santa Ynez Valley is famed for its exceptional wines, notably distinguished Chardonnay, Pinot Noir, and Syrah. We love:
McKinney Family Vineyards https://mckinneyfamilyvineyards.com/
Black Jack Ranch Wines (famous in the movie Sideways) https://blackjackranch.com/visit/
Liquid Farm https://www.liquidfarm.com/
Carhartt Family Wines https://www.carharttfamilywines.com/tasting-room/
Of course, there are dozens more and if you love one, please let us know!
SY Kitchen, Santa Ynez (dinner) https://www.sykitchen.com/
Nella's, Los Olivos (lunch or dinner) https://nellakitchen.com/
The Victory's Patio Menu (early dinner and cocktails) https://www.thevictor.us/
Bakers Table (breakfast and lunch) https://thebakers-table.com/
Thai https://www.nanathaisyv.com/
Mexican https://www.rudys-mexican.com/