Rate
Christian Menard

Christian Menard

VP of Mortgage Lending · NMLS# 1470201

Santa Barbara, CA5.0(17 reviews)

Location & hours

Open in Google Maps

Christian Menard at Rate (NMLS #1470201)

Today · 9 AM – 5 PM

1165 Coast Village RdSuite CSanta Barbara, CA 93108
Rating5.017 reviews
Satisfied100%18 reviews

Ratings include all 18 reviews. Reviews collected directly from clients are shown only with their permission.

Having worked with several mortgage brokers in the past, I can confidently assert that Christian is exceptionally good at his job. He was a pleasure to work with, extremely knowledgeable, patient, and goes above and beyond. He always keeps his clients best interests in mind and I would absolutely work with him again.

Christian made the process of financing two separate loans extremely easy. He clearly explained all the options available and provided advice that helped guide me through the process. Christian was friendly, professional, punctual and thorough. I feel like i can’t properly explain how smooth Christian made a somewhat stressful experience feel.

Christian was so helpful when helping us buy a home. He was prompt with returning our calls and went above and beyond for us.

melissa W.View on Google

I cannot recommend this company highly enough! The team was icreadibly knowledgeable,and professional throughout the entire precess. Christam Menard was so polite, and always took his time to anwer all my questions effectively. Working with him was great because the process from the application was fast and efficient I will add my realtor Justin Etherton because they both together are amaizing. I am greatful and thankful the God sent me the best honest people. Amen

Christian has been a great help. He assisted in getting us a heloc for our house while it was still under construction (being remodeled). He is now assisting us with a VA loan now that we are living in the house, although we still have another phase of construction (on the garage). He was recommended by our financial advisor and he has not disappointed us in any way. He has been extremely helpful and when necessary has been there to walk us through the process. I would recommend him highly without hesitation.

Christian went above and beyond helping us. He kept us well informed and kept on top of things. I would definitely recommend him to anyone.

Christian came recommended to us. He was invaluable navigating the mortgage process for our family. He went above and beyond over many months during our SB house hunt. Extremely responsive and thoughtful.

Thomas M.View on Google

Christian made my first home-buying experience incredibly positive. From start to finish, he was the definition of an exceptional lending agent. He was always responsive, patient, and kind, making sure I felt supported and informed. Christian truly excelled at making what could have been a complicated process feel easy, smooth, and seamless. He took the time to explain everything clearly, kept my payments comfortably within my means, and secured a great interest rate. I also appreciate that he will proactively continue to monitor for even better rates that may arise in the future. Christian is a gem!

Fernando S.View on Google

Christian made my first home-buying experience incredibly positive. From start to finish, he was the definition of an exceptional lending agent. He was always responsive, patient, and kind, making sure I felt supported and informed. Christian truly excelled at making what could have been a complicated process feel easy, smooth, and seamless. He took the time to explain everything clearly, kept my payments comfortably within my means, and secured a great interest rate. I also appreciate that he will proactively continue to monitor for even better rates that may arise in the future. Christian is a gem!

Fernando S.

Christian is the best! You will know immediately once he speaks with your agent. We had to change real estate agents a couple times over our search and each time they spoke very highly of Christian and were very confident. Christian is extremely responsive and provides a lot of great information and is constantly looking our for you, finding better rates or products, and staying ahead of the process. The loan process was finished in under 2 weeks, which is FAST, having pre-underwriting really helped speed up the process and solidify our offer. Also, rate.com has an easy to use website to upload secure documents, get notified, and follow the process. Thanks Christian and Team! We will definitely recommend to anyone purchasing a home!

Christian was an amazing ally for us as buyers. Truly was there for every question and I felt so secure having a trusted pro in the process. Thankful for finding him!

Andrew F.View on Google

Christian is the best! He does all the heavy lifting and is fast, thorough, and completely professional. He made obtaining a mortgage totally painless. I look forward to working with him again. Thank you, Christian!

Response from Owner

Thank you, Jay for your kind words. I really enjoyed working with you and appreciate you sharing your feedback.

Christian always responded so quickly and had all the information I asked for. I don't believe I ever mentioned my house address in my emails during and after closing, yet he knew exactly what house the email was referring to. All of that shows a large amount of organisation on his part.

Response from Owner

Thank you for your positive review, Aida! We appreciate your kind words about Christian's quick response time and organization. We strive to provide excellent service to our customers, and we're glad to hear that Christian exceeded your expectations. If you have any further questions or need assistance in the future, please don't hesitate to reach out to us!

Christian at Guaranteed Rate is my trusted resource for all my lending inquiries. Despite our relatively short time collaborating, Christian's contributions have significantly benefited many of my clients in their pursuit of home financing. His punctuality, swift responses, and thorough explanations leave no room for confusion. When it comes to your lending requirements, Christian is the ultimate solution.

Response from Owner

Thank you for your kind words, Travis! I really appreciate your review and enjoyed working with you as well!

Travis T.View on Google

Christian and his team are the best in business. They helped us close our offer in a record amount of time and insured that we got the best possible rate. He is very communicative and answers texts even on weekends/late evenings and goes the extra mile in closing the deal. Christian worked with us very patiently and explained all the crucial points to us during the entire process. His team (especially Amber) are very thorough and provide a systematic list of items needed to close the loan. Big thanks to Christian and everyone at Guaranteed Rate for helping us buy our first house!

Aditya M.View on Google

We worked with Christian and his team this year for a refi. They were wonderful to work with and I would highly recommend him to anyone considering a mortgage or refi.

We just bought our first condo, and Christian made it very easy. He was very professional, answer all the questions and was very clear through the whole process. I will work with him next time I need a lender.

Equal Housing LenderEQUAL HOUSINGLENDER
Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
 Arizona Mortgage Banker License #0907078
 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York.
 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Applicants are subject to credit and underwriting approval. Restrictions apply. All information is provided for informational use only and should not be considered financial advice.

Powered by SocialCoach