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Liz Heitmann
VP of Mortgage Lending

With over 25 years of experience in real estate finance, Liz enjoys assisting first-time homebuyers with accomplishing their goal of home ownership as well as analyzing the complex financials of the experienced, self-employed borrower, finding creative solutions for every client’s unique needs.

Previously as co-founder of the Santa Barbara Leading Lenders, established in 2005, Liz organized a collaboration of experienced loan officers to support the professionalism and integrity of the mortgage industry when it was threatened by the sub-prime lending boom, prior to the collapse in 2008. In her spare time, she remains committed to the organization as it continues to raise the bar for the industry with ongoing dialogue, education and collaboration.

Liz grew up in Santa Barbara and completed a Bachelor’ Degree from the University of California, Santa Barbara. She is also a certified Life Coach. In addition to her involvement with the Santa Barbara Leading Lenders, Liz is an affiliate member of the Santa Barbara Association of Realtors, where she currently serves on the Government Relations Committee, Statistical Review Committee and the Education Committee.

Liz is passionate about the arts and is a sustaining member of the Santa Barbara Museum of Art Women’s Board, where she has previously served as Vice President of Development as well as Publicity Chair. Her hobbies include interior and landscape design, painting, dance, travel and music. She also loves to walk and bike in her free time. Liz has two adult children, Max and Kate, and lives near the Mission in downtown Santa Barbara with her Shetland Sheep Dog, Jax.

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    Today's rates

    Loan typeRateAPRDiscount points ($)Mo. payment

    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.