As an independent mortgage broker, I have access to more than 100 lenders through Xpert Home Lending, so I can compare options and match each client with a lender that fits their situation. That matters most for files that don’t fit the standard mold: jumbo loans, which are common in Santa Barbara, self-employed buyers who qualify better with bank statements than tax returns, and investors using DSCR loans. I also help with conventional, FHA, VA, and USDA loans, refinances, and HELOCs. Before going independent, I spent 12 years as a mortgage banker at Wells Fargo, and I’ve worked in the Santa Barbara market for 15 years. If you’ve been turned down somewhere else or your pre-approval feels shaky, I’m happy to give you a free second opinion. I work with buyers and homeowners in Santa Barbara, Goleta, Montecito, Hope Ranch, Summerland, and the surrounding areas. Licensed in California, Arizona, and Texas. Justin Leach, NMLS 685345 · JL Lending Team, powered by Xpert Home Lending Inc., NMLS 2179191 · Equal Housing Opportunity

Website: jllendingteam.com

Phone: (805) 456-2256

Cross Streets: Near the intersection of State St and De La Guerra Pl