About Black Oak Homes & Mortgages
Cris Lapp and Dan Ferguson of Black Oak Homes & Mortgages is Santa Barbara County’s trusted partner for real estate and mortgage services — all under one roof. Based in Solvang and proudly serving clients from Los Alamos to Montecito, we offer a uniquely seamless experience for anyone looking to buy, sell, or refinance in the Santa Ynez Valley and beyond.
We specialize in helping clients across every community in the Valley, including Solvang, Santa Ynez, Los Olivos, Ballard, Buellton, Los Alamos, and Foxen Canyon — delivering deep local knowledge that makes a real difference when it matters most.
With over 30 years of independent, locally rooted expertise, we combine the personalized care of a boutique firm with the advanced tools and transparency of a modern tech-forward brokerage. Whether you’re:
Relocating from Los Angeles
Purchasing a second home in wine country
Refinancing your current property
Navigating your first home purchase
— we simplify every step of the process, ensuring you make confident, informed decisions.
As one of the very few dual-licensed brokers in California, we eliminate the confusion and delays that come from juggling multiple providers. Real estate and lending? It’s all handled right here — quickly, clearly, and with the client at the center.
We proudly serve LGBTQ+ clients, LA-based buyers, multigenerational families, and local homeowners who want honest answers and a team that truly listens. Our clients appreciate our no-pressure style, insider knowledge of Santa Ynez Valley’s towns and backroads, and unwavering commitment to transparency and care.
At Black Oak, we believe home isn’t just a transaction — it’s a foundation for your future. And we’re here to help you build it, beautifully.
