Expert Real Estate & Mortgage Help in the Santa Ynez Valley

At Black Oak Homes & Mortgages, we know that real estate decisions can feel overwhelming — especially when you’re trying to coordinate buying, selling, and financing at the same time. As a dual-licensed real estate broker and mortgage professional, I provide one clear path from start to finish. No middlemen, no hand-offs, and no wasted time.

Many of my clients are relocating from Los Angeles or San Francisco, drawn to the Santa Ynez Valley for its vineyards, ranches, and second-home lifestyle. Others are local homeowners looking for mortgage help, refinancing, or guidance on property taxes, wells, or septic systems. Every situation is unique, which is why I build a tailored plan before you make any major moves.

Whether you’re buying your first property, refinancing a longtime home, or searching for a vineyard or ranch in wine country, I give you expert advice backed by decades of experience. My role is to simplify complex transactions, run the numbers up front, and show you where the hidden challenges may be — before they cost you time or money.

If you’re ready for clear, trusted answers on real estate and mortgage help in the Santa Ynez Valley, text me today. I’ll give you a straight-forward plan and walk with you through every step.