About Jeff Bochsler
The pre-approval process is free and easy. You can complete your application in just 10 to 15 minutes without worrying about your credit score being impacted. Shortly after, you'll speak directly with me, a seasoned mortgage professional with 21 years of experience. You'll never deal with call centers throughout your journey. My team and I consist of experienced professionals who take the time to understand your story and craft tailored solutions to fit your unique goals. We take the hypothetical and turn it into reality while ensuring your data is secure and safe. As Branch Manager and SVP of Mortgage Lending at Rate, one of the nation's top lenders, I offer a wide range of loan products and specialize in making the mortgage process smooth, transparent, and stress-free. With cutting-edge digital tools and loan closings in as fast as 10 days, I tailor solutions to fit your unique goals. I specialize in a variety of mortgage solutions to meet diverse needs. This includes home purchases, offering loans up to $30 million with options such as Conforming, Jumbo-Conforming, Jumbo, FHA, and VA loans. I also assist with refinances, whether you're looking for rate-and-term adjustments or cash-out refinancing. Additionally, I offer specialized programs designed specifically for H1B Visa borrowers. I graduated from Santa Clara University with a degree in Economics and a passion for empowering others. My journey into the mortgage industry began with an interest in microfinance, inspired by a women's studies course that revealed how small loans could transform communities. That same drive fuels my work today as I help individuals and families achieve homeownership and financial stability. Beyond my work, I enjoy life in Santa Barbara with my wife, Jen, and our two kids. Whether I'm trail running at sunrise, playing pickleball, or diving into spreadsheets just for fun, I bring the same energy and enthusiasm to both work and life. If you're ready to buy or just beginning to explore your options, I'm here to guide you every step of the way. Let's have a conversation — call, email, or subscribe to my newsletter, and we'll chart the best path forward together. While I've become your trusted mortgage loan officer in Santa Barbara, CA, I'm equally helping clients across the nation with their home mortgage needs. Licensed in CA, WA, OR, AZ, TX, FL, CO, NJ, PA, NV, TN, NY, VA, MD, CT, and ID
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 1165 Coast Village Road, Suite C Santa Barbara CA, 93108
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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