Why Us?

Save Money with Real Estate & Mortgage Bundled Together.

Over 9,000 closed escrows, serving 8,000+ clients in our 33-year history—one company.

"Our commitment to you is lifelong, built on trust, privacy, and a dedication to securing the best deal possible." Cris Lapp (805) 538-6044

About Cris Lapp

Cris Lapp, an expert real estate broker and mortgage broker, is the founder of Black Oak Homes & Loans (est. 1989), is revolutionizing the Santa Ynez Valley's real estate residential and commercial landscape with an integrated company offering both real estate and mortgage services at a discount.

With a foundation in tenacity and privacy, Black Oak Homes & Loans goes beyond transactions. Cris specializes in home purchases, loans, refinance mortgages, construction financing, remodeling, second mortgages, ADU financing, and land and ranch financing. Committed to excellence, the company prioritizes privacy, speed, and financial savings for clients.

Feel free to reach out with any real estate or mortgage questions you may have, with no obligation of course.

Client Testimonials

Client Testimonials

"Cris Lapp is the epitome of professionalism and efficiency in real estate brokerage. A rare combination of intellect and ethics distinguishes him as the best I've ever worked with. There aren't enough stars to adequately rate this exceptional team. Thank you!" 

~Dr. W. (Santa Barbara, CA)

"I've had the pleasure of working with Cris' team on numerous large mortgages over the years. They are industry-savvy, detail-oriented, straightforward, and get the job done. I highly recommend the Black Oak for excellent and professional service – guaranteed satisfaction!"

~LL, Los Angeles

"We have used Cris Lapp several times and love the entire team. Their skill and knowledge base are remarkable! We'd recommend them!"

~D.S. in Los Olivos

"I had a quick job move and Cris Lapp and Black Oak did everything including the listing, selling & financing on my new home. They are the best and nicest real estate and mortgage lenders in town!"

~L.K. in Santa Barbara

"Our room addition turned into a major construction project. Cris saved the day with a tricky refinance loan."

~A.C. in Santa Ynez

"If you are looking for some awesome, knowledgeable people to work with, these are the guys I highly recommend. Their friendliness and result-driven approach is what I love about them. Thank you again.

Mary S. - Solvang, CA


Our Goal For You

"At Black Oak Homes & Loans, we transform your real estate aspirations into realities, offering unmatched tenacity, privacy, and enduring client satisfaction."

Cris Lapp

Santa Barbara family with happy golden Labrador dog and small boy.

Dolly Parton, Solvang, Vogue Magazine & Us

Black Oak Homes & Loans office is in Dolly Parton's former Solvang home

Dolly Parton's
Former House (Our Office)

Dolly Parton's former Solvang home is getting restored

Dolly Parton's
Former House Instagram

A woman standing on the sidewalk in front of a house.



The decision of where to buy real estate in the Santa Ynez Valley and Santa Barbara is influenced by a combination of factors: including the scenic beauty options, privacy, acreage, horses, and proximity to major cities. Here are six (6) suggestions...


The Old School House & 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 areas in the Santa Ynez Valley. #ballard #horseproperty #bobswellbread

From Stagecoach Stop to 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

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, Santa Ynez has it all.

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 means "Sunny Fields" in Danish.

Windmills spin, bakeries fill the air with sweet aromas, and lively "Danish Days" festivals transport you to Scandinavia in the sunshine. Solvang is best for its closeness to groceries stories, and Leonardo's Pizza (which is amazing).



#solvang #danishdays #californiawinecountry

Santa Barbara, "Where the Stars Meet the Sea"©

From Oprah to Harry and Meghan, Santa Barbara's coastline beckons with sun-kissed shores, vibrant cultural offerings, renowned wineries, and a buzzing music scene. The Mediterranean-like climate enriches lifestyles for those seeking a vibrant coastal escape brimming with opportunities to connect, explore, and indulge. #santabarbara #montecito #hoperanch

Vandenberg Space Force Base, situated on California's central coast (near Lompoc) is a key launch site driving advancements in space exploration and SpaceX satellite deployment. #spacex #rocket, #space, #elonmusk, #nasa, #spacex, #rocketlaunch, #deltaiv, #falcon9, #launch 

Santa Ynez Valley is famed for its exceptional wines, notably distinguished Chardonnay, Pinot Noir, and Syrah. We love:

McKinney Family Vineyards

Black Jack Ranch Wines (famous in the movie Sideways)

Liquid Farm

Carhartt Family Wines


SY Kitchen, Santa Ynez (dinner)

Nella's, Los Olivos (lunch or dinner)

The Victory's Patio Menu (early dinner)

Bakers Table (lunch)