Real Estate & Mortgage Services in Santa Ynez Valley to Happy Canyon
From historic ranch homes in Santa Ynez to private estates in Happy Canyon (named during Prohibition), we help you buy, sell, or refinance with confidence. At Black Oak Homes & Mortgages, our dual-licensed team brings decades of experience and deep local knowledge to every step — serving LA buyers, second-home shoppers, and longtime valley residents alike.
Specialized in ranch, vineyard, and acreage properties
Financing options for second homes and self-employed buyers
Refinance support for homeowners unlocking equity
LGBTQ+ inclusive and LA-buyer friendly
Fast answers, local insight, and no-pressure guidance
Deep experience in Santa Ynez, Happy Canyon, and beyond
📞 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: What types of homes are available in the Santa Ynez Valley?
A: From Spanish-style ranches in Santa Ynez to vineyard estates in Happy Canyon, the valley offers a wide range of luxury and lifestyle properties.
Q: Can I get a mortgage for a home with acreage in Happy Canyon?
A: Yes. We specialize in loans for rural and estate properties, including acreage, vineyards, and high-value second homes in the Happy Canyon area.
Q: Is the Santa Ynez Valley a good place to refinance?
A: Absolutely. Many longtime homeowners are tapping into equity to renovate, downsize, or reinvest. We’ll help you compare smart refinance options.