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

Branch Manager/SVP of Mortgage Lending

Jeff Bochsler is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jeff is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jeff at (805) 290-1828 for more information!

Jeff Bochsler at Rate (NMLS #770636)

Christian grew up in Southern California, attended a top tier boarding high school in New York, and then studied Economics & Business at Westmont College in Santa Barbara. After graduating in 2010, Christian went on to work at Mercer Advisors within their Investment Operations Team, and then at Raytheon Space and Airborne as a Cost Planner. Both experiences provided him with world class financial analysis and client service skills. After marrying his college sweetheart, Christian decided to follow in his father-in-law's footsteps and work as a mortgage broker. Today, Christian serves as a guide for his clients, bringing his financial planning perspective to the home buying and refinancing process to best strategize on how to structure a loan for a client with their future in mind. Practicing high levels of communication, he knows what it takes to get a loan completed in an efficient and limited stress manner, all while ensuring his clients and colleagues are well informed. Christian is a member of the National Association of Mortgage Brokers and holds their Certified Veterans Loan Specialist (CVLS) certification. VA loans are an amazing benefit that veterans have earned. Christian’s expertise helps service members, veterans, reservists, and surviving spouses become homeowners and maximize their benefits.

VP of Mortgage Lending

Christian Menard is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Christian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Christian at (805) 868-5116 for more information!

Christian Menard at Rate (NMLS #1470201)

As a mortgage professional, my top priority is to help clients navigate the sometimes challenging world of lending. Some of those challenges include helping clients achieve their mortgage-related goals for retirement, a new home, an investment property or 2nd home, debt consolidation with a cash out refinance*, selling a home after a divorce settlement or simply looking to save money each month**. My experience and expertise allow me to provide top level service and treat each of my clients like family. I am the “go-to” resource for solving all types of challenges. I consistently provide clients with helpful advice, direction, and valuable services which enable them to have a more enjoyable real estate experience. Some of the services I provide include addressing each client’s individual questions and concerns, and discussing their overall desired result. I work at educating clients and keeping consistent communication so they avoid feeling confused, anxious or unsure of what is going on. When the process is clear and each step is communicated, the result is simply amazing. As a Santa Barbara native I have a deep appreciation and connection with the outdoors, especially the ocean. I’m a third generation surfer and am raising a family here in my home town. As one can see, I bring my “personality” to work and into my clients’ lives – whether those clients are individuals, families, or Real Estate professionals. My clients consider me a trusted friend and a valued part of their extended family, and quite honestly, that’s the greatest compliment I can receive. When we do business together you will see that it’s also the expectation I set for myself with every client, every time!




* Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact Rate for more information. ** Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.

Bromi Krock is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bromi is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bromi at (805) 456-5796 for more information!

Bromi Krock at Rate (NMLS #254423)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Kevin Cravens is your Santa Barbara local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kevin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kevin at (805) 565-9100 for more information!

Kevin Cravens at Rate (NMLS #317607)

Santa Barbara

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4 Loan Officers Santa Barbara, CA