Jeff Bochsler
Branch Manager/ SVP of Mortgage Lending
Jeff grew up in the Pacific Northwest moving to California to attend Santa Clara University to study economics. His junior year he spent learning language and culture in Alicante, Spain. After graduation Jeff headed south to Santa Barbara where he now calls home. He began his work in the home loan industry immediately after the university, working in a top tier mortgage broker's office, getting world class loan and customer service training. Seventeen years into the business Jeff has built a broad and deep based knowledge of the lending industry. He is an advocate for his clients and referral partners. Practicing high levels of communication, he knows what it takes to get a loan through the system in an efficient and limited stress manner. He uses the technology tools available to streamline processes and enhance client experience and communication. He is excited for you to try the world's first Digital Mortgage. He looks forward to working with you.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
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Recent reviews
What people are saying
"Jeff and the team were wonderfully responsive, creative in finding ways to make the process easier and cheaper, and generally a pleasure to work with. I've heard horror stories about the mortgage application process but our experience was almost disconcertingly smooth!"
Alejandra B. - Carpinteria CA | Jul 2022
"helpful and responsive when I needed it."
Colton T. - Goleta CA | Jun 2022
"They made the loan process extremely easy and they stayed on schedule for all actions needed to close in 21 days."
Joseph M. - Washington DC | May 2022
"This is the second time I have used guaranteed rate. I am loyal when given respect, great service and quick responses to questions or concerns. I knew the second time I would refinance again with Jeff in Santa Barbara. I asked to put on a list again so when interest falls I wil be notified. I have recommended Jeff multiple times. He and his team are the best. Looking forward to the third round."
Irene B. - Santa Barbara CA | Mar 2022
"Felt like I had a personal Concierge throughout the entire process. All questions answered in timely manner as well."
Elizabeth F. - Sunriver OR | Mar 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
- California, Arizona, Oregon, Texas, Florida, Washington, Tennessee & Colorado
Services offered
- H1B Visa Specialist - Tech Companies. Purchase and Refinance home loan transactions. Residences up to 4 units. Loans up to $5M. Conforming, Jumbo-Conforming, Jumbo, FHA, and VA. We also offer HELOCs.
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.
