Expert guidance and competitive rates to help you find the perfect mortgage solution for your needs.
Founded in 2005, Oak & Vine Home Lending was built on a simple belief: everyone deserves a trusted partner in their home financing journey.
What started as a small team of three has grown into a respected lending institution, but our values remain the same — personalized service, transparent communication, and unwavering dedication to our clients.
We’ve helped over 15,000 families find the right loan, close on time, and move into the homes they love.
Every decision we make starts with what's best for our clients.
We hold ourselves to the highest standards in every transaction.
We're committed to strengthening the communities we serve.
Transparency and honesty are the foundation of everything we do.
Client-focused. Expert-driven. Oak & Vine delivers trusted guidance for California homes and nationwide investment loans. Apply online today.
Here at Oak & Vine, we have the right loan program for you. Whether you’re looking for a Purchase, Refinance, or Specialized Loan, we can make it happen!
Different loan programs require different levels of documentation. Depending on the program you choose, you may need more or less paperwork. Contact us today for a free, no-obligation consultation.
We offer a variety of mortgage programs designed to meet the needs of different buyers.
Flexible terms, competitive rates, ideal for borrowers with strong credit and stable income.
Your interest rate changes according to a preset schedule.
Designed to help buyers with lower credit scores or smaller down payments qualify for home financing.
Available to eligible veterans, active-duty service members, and military families with no down payment required.
Shopping for a higher-priced property? Lock in a competitive rate and stable monthly payments on your ultimate dream home.
USDA Loans offer no-money-down mortgages for rural and suburban buyers.
Experience the Oak & Vine Difference with Personalized Loan Solutions, Transparent Guidance, and Fast Closings Designed Around Your Financial Goals
Experienced agents and loan officers working together for your success
Deep understanding of California markets and neighborhoods
Pre-approved buyers and in-house lending for faster closings
From property search to loan closing, we handle every detail
A dedicated group of mortgage experts committed to guiding you through every step of your home financing journey.
Get clear answers to common questions about our loan process, timelines, and services. We’re here to make your financing journey simple, transparent, and stress-free.
Real experiences from homeowners who trusted Oak & Vine for a smooth and transparent loan process.
“Oak & Vine made buying our first home stress-free. Our loan officer guided us every step of the way, and we closed in just 20 days!”
“I never expected such transparency from a lender. No hidden fees, competitive rates, and fast closings. Highly recommend!”
“The personalized attention we received was amazing. Oak & Vine really understands clients’ needs and delivers tailored solutions.”
“From application to closing, the process was seamless. The team was professional, friendly, and always available to answer questions.”
“I shopped around for rates, and Oak & Vine offered the best solution. Fast, transparent, and extremely helpful throughout the process.”
Have questions about your loan options or need guidance? Our team is ready to help you every step of the way
oakvine@gmail.com
805-737-3711
203 B North H St. Lompoc, CA 93436
Whether you’re buying, refinancing, or exploring specialized loans, Oak & Vine is here to guide you every step of the way. From California homes to nationwide investment loans, we make the process simple, fast, and personalized.
Arnold Burner