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Portfolio Loans

Our Portfolio loans are underwritten, approved and funded right here on the Central Coast. We offer fast, flexible and creative solutions for your situation.

We provide Portfolio financing for:

Non-warrantable condominiums
An investor who already has 10 mortgage loans and wants to finance another property
Cash out on investment properties
Hobby Farms
Bridge/Temporary Financing
Loans to Trusts
Non-occupant co-borrowers
Non-traditional income
More!

Start your application online today or reach out to one of our experts below - we are happy to walk you through the process!

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Ask an Expert¶

Crystal Rem¶

Vice President, Residential Lending Officer

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

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Linda Kestler¶

Assistant Vice President, Residential Lending Officer

Send E-mail
805 335 8128
NMLSR: 1775242
Location: Santa Maria

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Bridge Loans¶

Need to purchase your new home before selling your current home?

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Loans to Trusts¶

Is your property held in trust? Our seasoned mortgage experts are knowledgeable in even the most complex mortgage transactions!

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Conventional Loans¶

Our mortgage experts have access to a variety of loan programs to meet your needs. Come meet our home loan specialists—and start packing!

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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

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Portfolio Loans

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Linda Kestler¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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Deposit accounts ¶

Small Business Administration Loans ¶

Loans ¶

Banking Services ¶

Business Solutions¶

Deposit Accounts ¶

Loans and Credit ¶

Fraud Protection ¶

Accounts Receivable Solutions ¶

Accounts Payable Solutions ¶

Banking Services ¶

Reporting and Liquidity ¶

Commercial Solutions¶

Checking ¶

Savings ¶

Other Services ¶

Digital Banking ¶

Personal Loans ¶

Residential Loans ¶

Personal Solutions¶

Community ¶

Resources ¶

Community¶

Access Personal and Small Business Digital Banking¶

Access Commercial Banking¶

Ask an Expert¶

Crystal Rem¶

Linda Kestler¶

Related products¶

Bridge Loans¶

Loans to Trusts¶

Conventional Loans¶

Customer Testimonial¶