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Mortgage Center

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“Whether purchasing or refinancing, successful navigation of Santa Barbara’s unique real estate market demands local expertise and experience from your mortgage banker. As a loan officer in Santa Barbara for over eight years, I have those qualities and Bank of the West has the products perfect for our market.”

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Our online mortgage application makes real estate real simple. Answer a series of questions to complete your application online. The sooner you submit your application the more doors we can help you open. For more details on the application process please visit What to Expect.

A Bank of the West Mortgage Banker can offer these advantages:

  • Full range of fixed and adjustable rate loans including government, jumbo, and first-time homebuyer programs
  • Refinance your loan in a way that's right for you
  • Relationship Pricing* available to qualifying Bank of the West customers
  • Innovative rate lock options
  • Free Rate Watch alerts so you can lock in your rate when the time is right
  • Long-standing commitment to friendly personable service

Apply Now and put our home loan experience to work for you.

* Relationship Pricing requires applicants to establish a Bank of the West personal checking account with a debit card and automatic electronic mortgage payments, and is subject to the terms of a Relationship Pricing Promotion Agreement. Discount is off the promissory note rate. Not all loan types are eligible for the discount.

We're Here to Help

Elizabeth A. Winterhalter

Mortgage Banker
NMLS # - 237143

Office: (805) 979-9737
Fax: (402) 918-7402
Cell Phone: (805) 904-7328

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Today's Featured Rates

Purchase Rates
5 Year Adjustable Rate
 Rate  APR  Points
 3.000%  4.192%  1.250%
Refinance Rates
30 Year Fixed Rate
 Rate  APR  Points
 3.500%  3.663%  1.250%
5 Year Adjustable Rate
 Rate  APR  Points
 3.125%  4.159%  1.125%

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