If you are interested in obtaining a mortgage loan to fund your home purchase, here are some helpful tips to get you started!

Proof of Funds

What you’ll need for loan pre-approval:

  • Tax Returns and W2s (2 years)
  • Paystubs (1 month)
  • Source of funds for down payment and closing costs

Large Purchases

Consult with your loan officer before making any large purchases or obtaining any additional loans during the pre-approval process and until the home transaction has closed. This can change your loan parameters or even affect your ability to obtain a loan.

Employment Status

If you plan to retire or become unemployed during your home purchase, notify your lender as soon as possible. This could impact financing.

Preferred Lenders

The Santa Barbara housing market is fairly competitive. To give your home offer the best possible chance of being accepted, it is highly recommended you work with a Santa Barbara based lender. Below is a list of preferred Santa Barbara based lenders:

On Q Financial

Austin Lampson

NMLS# 517060 | State Licensing CA DBO 517060

1332 Anacapa Street, Suite 110, Santa Barbara, CA 93101


Broadview Mortgage

Kelly Marsh |

NMLS#: 245822

Mark Johnson |

NMLS#: 451091

1826 State Street, Santa Barbara, CA 93101


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