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  • 111 W Micheltorena Street, Suite 210 Santa Barbara, CA 93101 Mobile (805) 705-7443 Ruben@RLopezLoans.com

Your Local CrossCountry Mortgage Loan Officer

Ruben Lopez

  • SVP of Mortgage Lending
  • Santa Barbara, CA Mortgage Loan Officer
  • NMLS #254614
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I’ll be with you every step of the way

Hi, I’m Ruben, based in Santa Barbara, CA. For over 23 years, I’ve been helping people finance their dream homes, whether they’re homes to live in or investment properties requiring strategic financing. I give my clients clarity about their options, helping them understand the pros and cons of each program. Whether they’re purchasing, refinancing, or doing nothing at all, providing the right information is what energizes me!

For my current and future business partners, I make sure you’re kept updated at every step of the transaction. If you refer your client to me, my work becomes an extension of you. You can set it and forget it, knowing your client is in good hands. I treat each client the way I like to be treated – with integrity and professionalism. I look forward to working with you as part of America’s #1 Retail Mortgage Lender.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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