There are scammers targeting local residents. If you receive an inbound call claiming to be from ARB or another bank, please hang up and call back using the published number for assistance. Learn more here.

Conventional Loans

Our mortgage experts have access to many loan programs available in the market. We keep you informed from initial application through funding to ensure a smooth transaction.

Fixed Rate Mortgages¶

Interest rate never changes over the life of the loan, so your mortgage payment will stay the same. (Keep in mind your property taxes and home insurance could go up during term of loan).
Ideal if you plan to stay in home for a good number of years.
Provides peace of mind with fixed payment and makes budgeting easier.
Available for refinance or purchase of a 1-4 family home including condominiums for primary or second home, and investment properties.

Adjustable Rate Mortgages¶

Combines an initial fixed rate period with a variable rate thereafter.
Typically offers a lower initial interest rate and payment thus increasing your buying power to afford a higher priced home.
Ideal if you plan to sell or pay-off your loan after only a few years, or if your income increases over time.
Available for refinance or purchase of a 1-4 family home including condominiums for primary or second home, and investment properties.

Jumbo Loans¶

Allows for a higher mortgage amount than conventional financing enabling qualified buyers and homeowners to purchase or refinance higher priced homes.
Fixed and Adjustable rate options.
Available for 1-4 family home including condominiums for primary or second home, and investment properties.

As well as many other products—let us help you decide which is best for you!

Start your application online today or reach out to one of our experts below - we are happy to walk you through the process!

Start Online Application

Ask an Expert¶

Crystal Rem¶

Vice President, Residential Lending Officer

Send E-mail
805 730 4985
NMLSR: #809030
Location: Santa Barbara

LinkedIn Bio .vcf card

Linda Kestler¶

Assistant Vice President, Residential Lending Officer

Send E-mail
805 335 8128
NMLSR: 1775242
Location: Santa Maria

LinkedIn Bio .vcf card

Construction Loans¶

Start with a strong foundation for your next construction project. Whether you're building your dream home, expanding your business, or embarking on a custom project, our local experts are here…

Learn More

Home Equity Loans & Lines of Credit¶

Use the equity of your home to finance your next big project.

Learn More

Portfolio Loans¶

Conventional financing not an option? Our home loan specialists can work with you to customize a solution for your unique home loan needs.

Learn More

Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"American Riviera was helpful all through the process of buying our first home. They were patient and had an answer for every question. They were so great, we came back to purchase our next home!"

Kelly and Elizabeth Hahn

Deposit accounts ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Small Business Administration Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Banking Services ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Business Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Deposit Accounts¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Loans and Credit¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Fraud Protection¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Accounts Receivable Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Accounts Payable Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Banking Services¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Reporting and Liquidity¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Commercial Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Checking ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Savings ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Other Services ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Digital Banking ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Personal Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Residential Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Personal Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Community ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Resources ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Community¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Access Personal and Small Business Digital Banking¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Access Commercial Banking¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Conventional Loans

Fixed Rate Mortgages¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Adjustable Rate Mortgages¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Jumbo Loans¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Ask an Expert¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Crystal Rem¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Linda Kestler¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Related products¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Construction Loans¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Home Equity Loans & Lines of Credit¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Portfolio Loans¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Customer Testimonial¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Deposit accounts ¶

Small Business Administration Loans ¶

Loans ¶

Banking Services ¶

Business Solutions¶

Deposit Accounts ¶

Loans and Credit ¶

Fraud Protection ¶

Accounts Receivable Solutions ¶

Accounts Payable Solutions ¶

Banking Services ¶

Reporting and Liquidity ¶

Commercial Solutions¶

Checking ¶

Savings ¶

Other Services ¶

Digital Banking ¶

Personal Loans ¶

Residential Loans ¶

Personal Solutions¶

Community ¶

Resources ¶

Community¶

Access Personal and Small Business Digital Banking¶

Access Commercial Banking¶

Fixed Rate Mortgages¶

Adjustable Rate Mortgages¶

Jumbo Loans¶

Ask an Expert¶

Crystal Rem¶

Linda Kestler¶

Related products¶

Construction Loans¶

Home Equity Loans & Lines of Credit¶

Portfolio Loans¶

Customer Testimonial¶