CrossCountry Mortgage logomark

Ruben Lopez

Branch Manager/SVP

Santa Barbara, CA Mortgage Lender

NMLS #254614

111 W Micheltorena Street, Suite 210
Santa Barbara, CA 93101
Contact Methods
mobile Mobile
(805) 705-7443


About Ruben

For over 23 years, I’ve been helping people finance their dream homes. Sometimes, these are homes where people want to live. Sometimes, these are investment properties requiring some strategic financing. Whatever the property, I give my clients clarity about their home financing options, helping them understand the pros and cons of every program. I arm them with the right information, whether they’re purchasing, refinancing, or doing nothing at all. This is the part of the job that energizes me!

For my current and future business partners, I make sure you are kept updated at every step of the transaction. If you refer your client to me, my work is an extension of you. You can set it and forget it, sending me your client and feeling confident that you can concentrate on everything you need to do without worrying about their financing. My partners know I treat each client the way I like to be treated – with integrity and professionalism.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at