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Our team of financing experts includes real estate professionals with decades of local area experience. We offer a full range of acquisition and development loans, construction loans, and permanent loans with features that include:
  • Construction loans structured to fit the particular transaction, with terms covering the project from pre-development through disposition.
  • Permanent loans with terms as long as 10 years, generally amortized over 25 years, and with pricing that can be fixed for as long as 5 years through interest rate risk protection products including swaps, caps, collars, etc., to manage your interest rate risk.
Types of real estate projects that are financed include:
  • Housing Tracts
  • Apartments
  • Owner-occupied Commercial Real Estate
  • Investor-owned Commercial Real Estate
  • Special Purpose Properties
Contact

To get started or to find out more about Commercial Real Estate, contact one of our professionals in your area:
  • Santa Barbara County - Donald Rapp, SVP, Department Manager (805) 882-3831
  • Ventura County - Bruce Conger, VP, Relationship Manager (805) 389-3583
  • North SB County - Mike Jeffries, AVP, Relationship Manager (805) 739-2694 x221
Disclosures
 
 
Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, and First Bank of San Luis Obispo are divisions of Pacific Capital Bank, N.A., member FDIC.

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