About Christian Menard
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.
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.
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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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