Business Details
Trusted Mortgage Solutions in Santa Barbara
Diana Macfarlane has built a reputation as Santa Barbara's premier mortgage consulting service, combining over 33 years of industry expertise with a client-centric approach. Our founder, Diana MacFarlane, has consistently ranked among the top 1% of loan originators nationwide, having successfully facilitated over $3 billion in mortgage closings. We differentiate ourselves through personalized service that prioritizes understanding each client's unique life circumstances, not just their financial profiles. Our team maintains direct industry connections that enable efficient deal closures while ensuring every transaction maintains our high standards through hands-on oversight.We combine technological capabilities with face-to-face communication to build lasting relationships that extend beyond individual loan processes. Our commitment to excellence is demonstrated through our consistent funding record and active involvement in supporting local non-profit organizations. We serve clients across all 50 states while maintaining our deep roots in the Santa Barbara community.
Services
Mortgage Consulting
Refinancing
VA Loans
Home Buying Process
Purchase Connections
Highlights and features
- We have over 33 years of experience in mortgage consulting
- Our team is among the top 1% producers in the industry
- We provide personalized mortgage solutions tailored to each client's unique needs
- We offer 24/7 personalized customer support
- We are committed to supporting local non-profit organizations
What people say
Timely & Efficient
Mortgage Expert
Outstanding customer service
10/10 Likely to Recommend
Best mortgage experience
Services
Mortgage Consulting
Our mortgage consulting service provides personalized guidance through complex loan options. With 33 years of experience and $3 billion in funded loans, we analyze each client's unique financial situation and life goals to recommend optimal mortgage solutions. Our team maintains direct industry connections that enable efficient deal closures while ensuring every transaction maintains our high standards through hands-on oversight.
Refinancing
Our refinancing solutions help homeowners optimize their mortgage terms through strategic rate adjustments and payment restructuring. We specialize in lowering monthly payments, accelerating loan payoff timelines, and accessing home equity for financial improvements. Our experts analyze current market conditions and individual circumstances to determine the most beneficial refinancing approach while considering long-term residency plans and potential cost savings.
VA Loans
We offer specialized VA loan programs for active-duty military, veterans, and eligible family members. Our team provides expert guidance through government-backed mortgage options that offer 100% financing without requiring mortgage insurance. We help clients navigate adapted housing grants and VA-specific requirements while ensuring compliance with all eligibility criteria and property standards.
Home Buying Process
Our structured home buying process simplifies property acquisition through a seven-step framework that balances affordability with lifestyle requirements. We assist clients in determining budget parameters, identifying ideal neighborhoods, and securing pre-approvals while maintaining national lending capabilities. Our local expertise in Santa Barbara's nuanced real estate market helps clients find properties that match both financial and personal needs.
Purchase Connections
Our purchase connections service leverages direct access to industry decision-makers to expedite loan approvals and closings. This network enables rapid resolution of complex transaction issues while maintaining our high service standards. We combine our local market expertise with national lending resources to ensure smooth transactions for both local Santa Barbara properties and cross-state purchases.
People
Diana MacFarlane
Senior Loan Consultant
Diana MacFarlane is a top 1% mortgage loan originator with 33 years of experience. She personally oversees every transaction, building personal relationships that extend beyond loan requirements. Her client-first approach focuses on understanding broader life circumstances to provide tailored mortgage solutions.
Steven Hensling
Production Assistant
Steven Hensling has served as a loan officer assistant since 2016, holding licenses in multiple states. He specializes in loan structuring and transaction solutions while maintaining active involvement in client communications. His expertise spans multiple mortgage products across various geographic markets.
Questions
What mortgage services do you offer?
We provide comprehensive mortgage services including home purchase loans, refinancing options, VA loan programs, and specialized financing solutions tailored to individual client needs.
How does the home buying process work?
Our seven-step process includes determining affordability, selecting ideal neighborhoods, securing pre-approvals, finding suitable properties, finalizing financing, escrow processing, and closing procedures.
Do you offer VA loans for military members?
Yes, we specialize in VA loans with 100% financing options for active-duty military, veterans, and eligible family members, including assistance with adapted housing grants.
Can you help with mortgage refinancing?
We offer refinancing solutions to lower payments, accelerate payoff timelines, or access home equity through strategic rate adjustments and loan term modifications.
What areas do you serve?
While based in Santa Barbara, we provide mortgage services across all 50 states with localized expertise in California's real estate markets.
