Vicky Reese — loans that bring you homeVicky Reese
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T.I.M.E. Lending · Santa Barbara & the Central Coast

Mortgage guidance built on 25+ years of straight answers.

Buying, refinancing or investing on the Central Coast? Vicky Reese explains your real options in plain language — then handles the process personally, start to close.

Schedule a Consultation (805) 886-4052
5.0 Google rating · 47 reviewsNMLS #460030 · CA DRE #01466655
Vicky Reese, mortgage adviser serving Santa Barbara and the Central Coast

25+ years

Mortgage lending experience

5.0 rating

47 Google reviews

Central Coast

Local market expertise

Where are you starting?

Four paths. One honest conversation.

Whatever stage you're in, the first step is the same: understanding what's actually available to you.

Santa Barbara Mission and its fountain beneath a blue sky
Santa Barbara Mission
Palm trees and gardens at the Santa Barbara Courthouse
Santa Barbara Courthouse
Wooden stairs leading down to El Capitan Beach
El Capitan Beach
Orange sunset reflected across Pismo Beach
Pismo Beach

Local expertise

The Central Coast is not a generic market.

Jumbo loan amounts, self-employed income, competitive offers and coastal property quirks show up here constantly. Vicky has financed through all of it — locally, for decades.

  • Santa Barbara, Goleta, Montecito, Carpinteria, Santa Ynez Valley, Santa Maria and Lompoc.
  • Experience with jumbo pricing and coastal appraisal considerations.
  • Long-standing relationships with local agents, escrow and title partners.
More about Vicky

The process

Four steps, no surprises.

You'll always know what's happening and what's next.

  1. 01

    Let's Talk

    Discuss your goals, timeline and current situation.

  2. 02

    Explore Your Options

    Review financing options that may fit your goals.

  3. 03

    Get Prepared

    Complete the necessary application process and prepare for your purchase or refinance.

  4. 04

    Move Toward Closing

    Receive guidance throughout the mortgage process.

Client experiences

Trusted, repeatedly.

Verified reviews from Vicky's public Yelp profile — several from clients who came back for a second loan.

"Vicky is the best in the mortgage industry! She helped my spanish speaking family obtain their first home purchase. She made our first home buying experience simple. She is very caring and will communicate throughout the whole process. Her upfront honesty, trustworthiness and experience made our purchase stress-free and efficient."

Hernan H.

Santa Barbara, CA · Yelp Review

"I've been working with Vicky for years and highly recommend her! She is goal oriented, quick to respond and creatively works with her clients to achieve our goals! Great experience."

Kate G.

Repeat client · Yelp Review

"It was short. It was painless. It was perfect. My experience was smooth, professional and straight forward. Vicky was accommodating, diligent and efficient. Her staff were all excellent. This is not the first time I have done a loan with her. The first time was the same."

Marie A.

Repeat client · Yelp Review

Next step

Let's talk through your options.

A conversation costs nothing and clarifies everything. Tell Vicky where you are and she'll tell you honestly what's possible — including when waiting is the smarter move.

Prefer to talk now? (805) 886-4052

Or book a time directly: Schedule a Consultation

5.0 Google rating · 47 reviews