Let's connect! We have mortgage solutions that meet your needs.

Whether buying your dream home, improving your property, or building a house, our mortgage loan officers have you covered.¶

Ready to Apply?¶

Use our online portal to apply today!

Please note that our online mortgage application does not automatically save your progress as you go. To ensure your information is saved, we recommend completing the application in one session or reaching a designated save point. This approach helps protect your sensitive financial information and ensures a smooth application process.

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If you're not ready to apply or have questions about our mortgage options:

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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

Meet Crystal Rem and Team¶

Crystal Rem¶

Vice President, Residential Lending Officer

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

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Linda Kestler¶

Assistant Vice President, Residential Lending Officer

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

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In the News¶

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We are here to help!¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Whether buying your dream home, improving your property, or building a house, our mortgage loan officers have you covered.¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Ready to Apply?¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Not Ready to Apply? Need Expert Guidance?¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Let's Connect¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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

Meet Crystal Rem and Team¶ .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; }

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

We are here to help!¶