Your Path to Home Ownership Starts Here
Expert guidance and transparent communication to help you find the perfect mortgage solution for your needs, from your initial application through closing.
20+ best award winning
- About Us
Your One-Stop Partner for Home Lending
Founded in 2022, Oak & Vine Home Lending was built on a simple belief: everyone deserves a trusted partner in their home financing journey.
Our values are simple: personalized service, transparent communication, and unwavering dedication to our clients.
We’ve helped countless families find the right loan, close on time, and move into the homes they love.
Client First
Every decision we make starts with what's best for our clients.
Excellence
We hold ourselves to the highest standards in every transaction.
Community
We're committed to strengthening the communities we serve.
Integrity
Transparency and honesty are the foundation of everything we do.
Trusted guidance and loan options that fit your needs
About Us
Client-focused. Expert-driven. Oak & Vine delivers trusted guidance for California homes and investment properties.
Loan Programs
Here at Oak & Vine, we have the right loan program for you. Whether you’re looking for a Purchase, Refinance, or Specialized Loan, we can make it happen!
Personalized Service
Every borrower’s situation is different. We take the time to understand yours and guide you through every step of the process.
Home Loan Options
As a wholesale mortgage broker, we have a comprehensive suite of non-traditional financing options to ensure your needs are met.
Conventional Loans
Flexible terms, ideal for borrowers with strong credit and stable income.
Adjustable-Rate Mortgage
Your interest rate changes according to a preset schedule.
FHA Loans
Designed to help buyers with lower credit scores or smaller down payments qualify for home financing.
VA Loans
Available to eligible veterans, active-duty service members, and military families with no down payment required.
Jumbo Loan
Shopping for a higher-priced property? Lock in stable monthly payments on your ultimate dream home.
Reverse Mortgage
Reverse mortgages help homeowners 62 and older turn home equity into cash flow.
- Why Choose Us
Experience the Oak & Vine Difference
Experience the Oak & Vine Difference with Personalized Loan Solutions, Transparent Guidance, and Fast Closings Designed Around Your Financial Goals
Expert Team
Experienced loan officers working together for your success
Local Knowledge
Deep understanding of California markets and neighborhoods
Trusted Guidance
Comprehensive education for you to make a well-informed decision
- Founder
Meet the Founder
Committed to guiding you through every step of your home financing journey. Ryan works with each client one-on-one, taking the time to explain your options, so first-time buyers can move forward with confidence.
RYAN DAVIS
MORTGAGE LOAN OFFICER
EXECUTIVE ASSISTANT
EXECUTIVE ASSISTANT
ADAM DRAKE
MORTGAGE LOAN OFFICER
- FAQs
Everything You Need to Know
Get clear answers to common questions about our loan process, timelines, and services. We’re here to make your financing journey simple, transparent, and stress-free.
Do you have more questions?
How long does the loan process take?
What types of loans do you offer?
What are your fees?
Will I have someone guiding me through the process?
How do I get started with my loan application?
- Testimonials
What Our Clients Say
Real experiences from homeowners who trusted Oak & Vine for a smooth and transparent loan process.
“Oak & Vine made buying our first home stress-free. Our loan officer guided us every step of the way, and we closed in just 20 days!”
“I never expected such transparency from a lender. No hidden fees, competitive rates, and fast closings. Highly recommend!”
“The personalized attention we received was amazing. Oak & Vine really understands clients’ needs and delivers tailored solutions.”
“From application to closing, the process was seamless. The team was professional, friendly, and always available to answer questions.”
“I shopped around for rates, and Oak & Vine offered the best solution. Fast, transparent, and extremely helpful throughout the process.”
- Get in Touch
Have questions about your loan options or need guidance? Our team is ready to help you every step of the way
Email Address :
ryan@oakandvineloans.com
Phone Number :
805-819-2131
Address:
308 North H St. Lompoc, CA 93436
Send Message
Whether you’re buying, refinancing, or exploring specialized loans, Oak & Vine is here to guide you every step of the way. From California homes to investment properties, we make the process simple, fast, and personalized.
Arnold Burner