Bob has been mortgage broker since 1992. He offers purchase loans and refinances for residential and commercial real estate. Pacific Capital Mortgage is both a full service mortgage brokerage and a direct lender. That gives Bob the edge to find the lowest rates and best terms for you. Whether you have perfect AAA credit or facing bankruptcy, Bob offers good old-fashioned customer service, a result of solid lender relationships and the latest technological advances in the mortgage market. Bob prides himself on an exceptional high level of customer satisfaction. He would like to be your lender for life.