Trusted Local Mortgage Help in Santa Barbara County

Looking to buy or refinance in Santa Ynez, Goleta, or anywhere across Santa Barbara County?

At Black Oak Homes & Mortgages, we bring over 30 years of experience and 9,000+ closed transactions to your side of the deal. Whether you’re a first-time buyer, investing in a second home, or need fast cash-out refinancing — we’re here to help.

✅ Local loan expert
✅ Personalized pre-approvals
✅ Fast 21-day closings
✅ Real answers from real people

We combine mortgage lending and real estate knowledge to give you a true edge in this market.

📞 Call Cris Lapp today at (805) 538-6044
🔗 Apply Now