About Bromi Krock
As a mortgage professional, my top priority is to help clients navigate the sometimes challenging world of lending. Some of those challenges include helping clients achieve their mortgage-related goals for retirement, a new home, an investment property or 2nd home, debt consolidation with a cash out refinance*, selling a home after a divorce settlement or simply looking to save money each month**. My experience and expertise allow me to provide top level service and treat each of my clients like family. I am the “go-to” resource for solving all types of challenges. I consistently provide clients with helpful advice, direction, and valuable services which enable them to have a more enjoyable real estate experience. Some of the services I provide include addressing each client’s individual questions and concerns, and discussing their overall desired result. I work at educating clients and keeping consistent communication so they avoid feeling confused, anxious or unsure of what is going on. When the process is clear and each step is communicated, the result is simply amazing. As a Santa Barbara native I have a deep appreciation and connection with the outdoors, especially the ocean. I’m a third generation surfer and am raising a family here in my home town. As one can see, I bring my “personality” to work and into my clients’ lives – whether those clients are individuals, families, or Real Estate professionals. My clients consider me a trusted friend and a valued part of their extended family, and quite honestly, that’s the greatest compliment I can receive. When we do business together you will see that it’s also the expectation I set for myself with every client, every time!
* Using funds from a Cash-out Refinance to consolidate debt may result in the debt taking longer to pay off as it will be combined with borrower’s mortgage principle amount and will be paid off over the full loan term. Contact Rate for more information. ** Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.
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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 | 6.500% | 6.812% | 0.945 ($3307.50) | $2212.24 |
| 15-year fixed | 5.500% | 6.067% | 0.98 ($3430.00) | $2859.79 |
| FHA loan | 6.025% | 7.116% | 0.991 ($3025.03) | $1971.78 |
| VA loans | 5.990% | 6.562% | 0.823 ($3362.78) | $2447.14 |
| Jumbo loans | 6.250% | 6.533% | 0.921 ($8289.00) | $5541.45 |
* Rates current as of 4/4/2025 03:55 am, provided by Bromi Krock, 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
