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  • 111 W Micheltorena Street, Suite 210 Santa Barbara, CA 93101 Mobile (805) 705-7443 [email protected]
    • monday: 8:00AM – 5:00PM
    • tuesday: 8:00AM – 5:00PM
    • wednesday: 8:00AM – 5:00PM
    • thursday: 8:00AM – 5:00PM
    • friday: 8:00AM – 5:00PM
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Ruben Lopez

  • SVP of Mortgage Lending
  • Santa Barbara, CA Mortgage Loan Officer
  • NMLS #254614

I’ll be with you every step of the way

Hi, I’m Ruben, based in Santa Barbara, CA. For over 23 years, I’ve been helping people finance their dream homes, whether they’re homes to live in or investment properties requiring strategic financing. I give my clients clarity about their options, helping them understand the pros and cons of each program. Whether they’re purchasing, refinancing, or doing nothing at all, providing the right information is what energizes me!

For my current and future business partners, I make sure you’re kept updated at every step of the transaction. If you refer your client to me, my work becomes an extension of you. You can set it and forget it, knowing your client is in good hands. I treat each client the way I like to be treated – with integrity and professionalism. I look forward to working with you as part of America’s #1 Retail Mortgage Lender.

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How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

  • To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt. 

  • A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.

  • A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.

  • To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more. 

I’d love to hear from you.

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