Buy, Sell, or Refinance a Home in Ballard, CA with Local Experts
Ballard is nestled between Santa Ynez and Los Olivos, making it an ideal location for wine lovers and families alike.
Ballard may be one of the smallest towns in Santa Barbara County, but it’s big on charm and lifestyle value. At Black Oak Homes & Mortgages, we help buyers, sellers, and current homeowners in Ballard navigate the real estate and mortgage process with clarity, care, and deep local knowledge with one of the best school districts in the Santa Ynez Valley
Specializing in historic homes and Ballard School District properties
Dual-licensed real estate + mortgage broker in one
Refinance options for longtime homeowners
LA-friendly second-home financing
LGBTQ+ inclusive, family-friendly service
Fast, clear answers without the pressure
📞 Contact us today for a free consultation on buying, selling, or refinancing in Los Olivos.
Call or text (805) 538-6044 — we’re ready when you are.
Frequently Asked Questions
Q: Is Ballard a good place to buy a home for families?
A: Yes — Ballard is home to one of the most highly rated elementary schools in Santa Barbara County and offers a peaceful, close-knit community.
Q: Are there large estate properties available in Ballard?
A: Definitely. Ballard has hidden rolling estates, vineyards, and custom homes on acreage — perfect for privacy, second homes, or long-term investment.
Q: Can I refinance my home in Ballard to access equity?
A: Yes. We offer refinancing options for Ballard homeowners, whether you want to lower your rate, access cash, or fund a renovation project.