Question 1

Can I get a mortgage in Solvang if I’m self-employed?

Accepted Answer

Yes, Black Oak Homes helps self-employed buyers qualify for home loans in Solvang with flexible programs designed for entrepreneurs, freelancers, and small business owners.

Question 2

Is Solvang a good place to buy a second home?

Accepted Answer

Absolutely. Solvang is a charming town in the heart of wine country, making it a popular second-home destination for LA-based buyers and weekenders.

Question 3

Can I refinance in Santa Ynez without great credit?

Accepted Answer

Yes. At Black Oak, we offer creative refinance solutions for Santa Ynez homeowners, even if your credit score isn’t perfect.

Question 4

What’s the average mortgage rate in Santa Ynez Valley?

Accepted Answer

Rates can vary daily, but Santa Ynez Valley often offers competitive rates thanks to local programs and low-pressure lending options.

Question 5

Is Ballard a good place to buy a home?

Accepted Answer

Ballard is one of the best-kept secrets in Santa Barbara County, offering a peaceful rural vibe, great schools, and close proximity to Solvang and Los Olivos—making it perfect for families and second-home seekers.

Question 6

What areas does Black Oak Homes & Mortgages serve?

Accepted Answer

We proudly serve Solvang, Santa Ynez, Ballard, Los Olivos, Los Alamos, Buellton, Santa Barbara, and surrounding Santa Barbara County communities.

Question 7

Can I get financing for a rural property in Los Alamos?

Accepted Answer

Yes. We offer home loans for rural, historic, and fixer-upper properties in Los Alamos, with flexible programs for creative and self-employed buyers.

Question 8

Is Black Oak LGBTQ+ friendly?

Accepted Answer

Absolutely. We proudly serve LGBTQ+ clients with inclusive, no-pressure real estate and mortgage guidance throughout Santa Barbara County.

Our Real Estate & Mortgage Services

Buy. Sell. Finance. One Local Team. One Smart Move.

Selling a Home

Financing or Cash?

Buying a Home

Refinancing a Home & Lines of Credit