Conventional Loans

Conventional Loans

Our mortgage experts have access to many loan programs available in the market. We keep you informed from initial application through funding to ensure a smooth transaction.

Fixed Rate Mortgages

  • Interest rate never changes over the life of the loan, so your mortgage payment will stay the same.  (Keep in mind your property taxes and home insurance could go up during term of loan).
  • Ideal if you plan to stay in home for a good number of years.
  • Provides peace of mind with fixed payment and makes budgeting easier.
  • Available for refinance or purchase of a 1-4 family home including condominiums for primary or second home, and investment properties.

Adjustable Rate Mortgages

  • Combines an initial fixed rate period with a variable rate thereafter.  
  • Typically offers a lower initial interest rate and payment thus increasing your buying power to afford a higher priced home.
  • Ideal if you plan to sell or pay-off your loan after only a few years, or if your income increases over time.
  • Available for refinance or purchase of a 1-4 family home including condominiums for primary or second home, and investment properties.

Jumbo Loans

  • Allows for a higher mortgage amount than conventional financing enabling qualified buyers and homeowners to purchase or refinance higher priced homes.
  • Fixed and Adjustable rate options.
  • Available for 1-4 family home including condominiums for primary or second home, and investment properties.

As well as many other products—let us help you decide which is best for you!

Ask an Expert

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Lori Murray

Senior Vice President, Residential Lending Manager

Send E-mail
805-730-4987
NMLSR: #742373
Location: Santa Barbara

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Crystal Rem

Vice President, Residential Lending Officer

Send E-mail
805-730-4985
NMLSR: #809030
Location: Santa Barbara

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Maria Lyon

Assistant Vice President, Residential Lending Officer

Send E-mail
805-540-6239
NMLSR: #370362
Location: San Luis Obispo

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Mark Chandler

Assistant Vice President, Residential Lending Officer

Send E-mail
805-296-1681
NMLSR: #742379
Location: Paso Robles

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Home Equity Line of Credit

Use the equity of your home to finance your next big project.

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Portfolio Loans

Conventional financing not an option? Our home loan specialists can work with you to customize a solution for your unique home loan needs.

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Construction Loans

Start with a strong foundation for your next project.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"American Riviera was helpful all through the process of buying our first home. They were patient and had an answer for every question. They were so great, we came back to purchase our next home!"
Kelly and Elizabeth Hahn