Draper and Kramer Mortgage Corp. W Micheltorena St, Santa Barbara

Ruben and his team are professional, they communicate clearly, and they can get the job done quickly. This is the 2nd time I have worked with them and wouldn't go anywhere else. Thank you Ruben!

Best professional mortgage company with a personal connection based on years of experience. Highly recommend!

I have worked with Ruben Lopez since 2013 when I bought my first condo. At that time he was the only one able to find the type of mortgage I needed and he was incredibly trustworthy from day one. I just finalized my 2nd refi with Ruben and his team at Draper & Kramer and not only were they a pleasure to work with, but also incredibly thorough, everything was explained even before I had questions and they put my mind at ease knowing they have my best interest in mind. Ruben reached out this year to let me know rates were low and I immediately jumped on the chance to refinance once I looked at the numbers. He locked in everything just before demand kicked in high gear - I am incredibly grateful that he was proactive to let me know about the rates early on. Ruben is the absolute best and no one compares (including friends who are brokers!).

Ruben and his team were great. They did everything in their power to make the process smooth and easy. Ruben is a problem solver and has a deep understanding of the market and is able to anticipate and head off potential issues. I highly recommend these folks!

Ruben Lopez is great to work with & has creative ways of obtaining a loan that really work! After being denied several times by other co's, he made it happen & it was easier than we imagined. We are saving over $700.00/mo. with our new loan. Thank you, Ruben!

Great experience with my refi! Todd Hull is wonderful to work with. We used him for our initial purchase and our refinance. Highly recommend.

Greg Knowles is the best! Helped us with our refinance with clear communication and amazing service!

Steve did a fantastic job of helping me think through different refinance options. He was clear and frequent in communications about the progress of the loan process.

Ruben is the best! He made our refinance a breeze! Highly recommend him!

Ms. Velia Razo was able to refi my mortgage in a timely and professional fashion even thru this pandemic! I would highly recommend her to family and friends!