About Christian Menard
Christian grew up in Southern California, attended a top tier boarding high school in New York, and then studied Economics & Business at Westmont College in Santa Barbara. After graduating in 2010, Christian went on to work at Mercer Advisors within their Investment Operations Team, and then at Raytheon Space and Airborne as a Cost Planner. Both experiences provided him with world class financial analysis and client service skills. After marrying his college sweetheart, Christian decided to follow in his father-in-law's footsteps and work as a mortgage broker. Today, Christian serves as a guide for his clients, bringing his financial planning perspective to the home buying and refinancing process to best strategize on how to structure a loan for a client with their future in mind. Practicing high levels of communication, he knows what it takes to get a loan completed in an efficient and limited stress manner, all while ensuring his clients and colleagues are well informed. Christian is a member of the National Association of Mortgage Brokers and holds their Certified Veterans Loan Specialist (CVLS) certification. VA loans are an amazing benefit that veterans have earned. Christian’s expertise helps service members, veterans, reservists, and surviving spouses become homeowners and maximize their benefits.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.550% | 6.915% | 0.999 ($3496.50) | $2223.76 |
| 15-year fixed | 5.500% | 6.021% | 0.852 ($2982.00) | $2859.79 |
| FHA loan | 6.000% | 7.067% | 0.9 ($2747.25) | $1966.87 |
| VA loans | 5.990% | 6.533% | 0.9 ($3677.40) | $2447.14 |
| Jumbo loans | 6.250% | 6.478% | 0.661 ($5949.00) | $5541.45 |
* Rates current as of 4/6/2025 06:00 am, provided by Christian Menard, for Santa Barbara County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
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 Rate, Inc. and are subject to change without
notice. 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). 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. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 1165 Coast Village Road, Suite C Santa Barbara CA, 93108