Cris Lapp Founder, Broker, and Lender

Cris Lapp is a dual licensed real estate broker and mortgage lender in the Santa Ynez Valley and Santa Barbara County. He brings 30 years of local experience and service as a County Commissioner, uniting property, finance, and design to guide clients with clarity at Black Oak Homes & Mortgages.

About Cris

Cris founded Black Oak Homes & Mortgages to make buying, selling, and financing simple. He created a model that brings real estate, lending, land use, and design under one roof so your price, payment, and timing align. His focus is clear steps, smart terms, and strong outcomes.

Current roles

Commissioner, Central Board of Architectural Review, County of Santa Barbara, 2023 to present

Founder, Black Oak Homes & Mortgages

Senior Member, International Right of Way Association, IRWA 8003294

Credentials

California Real Estate Broker, DRE 01093529

California Mortgage Broker NMLS 337660

Google Pro Ai Track

Professional Certificate, Public Engagement and Civic Leadership, Pepperdine Davenport Institute, 2025

Professional Certificate, Leadership and AI, Stanford Online, 2025

Areas of Expertise

Residential, investment, estate, ranch, and vineyard properties management

Mortgage strategy, refinancing, and portfolio planning

Land use and architectural coordination

Local zoning, water, access, and permits

A Complete Team Approach

Cris works with Melissa Krantz for real estate sales and staging, and with Dan for land use and development guidance. Together they deliver one plan from search and staging to finance and closing.
Link “Melissa Krantz” to /team/melissa-krantz and “Dan” to /team/dan.

Connect with Cris

Phone 805-538-6044
Email cris@blackoakhomeservices.com
Santa Ynez Valley, California