Michele Herrera


NMLS #321843


Michele Herrera has been helping California residents with their mortgage lending needs for over 28 years. Because Michele began her long career as a loan processor, she is intimately familiar with all the details of the home financing process. With decades of practical experience under her belt, and knowledge of the best lending options available, Michele’s clients have the advantage they need to successfully close their loan.

With the strict lending requirements in today’s environment, it is not enough to just know what loan might suit a client’s needs. To successfully complete a transaction, the mortgage advisor must be able to navigate the difficulties that almost invariably come up in the loan process. Michele has that ability. Her strong base of referrals and repeat business is a testament to that fact.

Michele builds strong relationships with each and every client that extend long after the loan process is completed. She knows that it is her personal attention to every detail that ensures the successful closing of their loan.

She is a Santa Barbara native, and understands the particular needs of those clients seeking a loan advisor in this area. In her free time, she spends time with her family and friends enjoying all the unique activities that this beautiful community has to offer.


  • On the list of things that are most stressful in life, buying a home (let alone your first, as was in our case,) just about nears the very top for most people. However, we could not have imagined a smoother, less stressful experience than the one we had with Michele. She is explicitly clear in the information that she conveys to her clients, has an abundance of knowledge regarding the buying process, is diligent in maintaining the line of communication, and brings an immensely warming human touch to the otherwise bewildering process of buying a house. A hundred times over, we would jump at the chance at working with Michele again. She is amazing.
    — Brian Helt
  • Michele is a true professional--she helped my wife and I secure a loan even before we started looking at houses. She was able to lock us in to a low interest rate which will really help us with our mortgage payment. Michele was able to make a complex and stressful situation painless and easy. She must work long hours because she regularly helped us with emails or questions past 7:00, which is a big deal because we are both teachers and have a 14 month old son. We are the trailblazers with our group of friends when it comes to home ownership and we will be sending them to Michele. Get approved first (not even pre-approved), then go house shopping. Thanks Michele!
    — Kurt Miller
  • I couldn't be happier that I went with Michele for my very first home buying experience. She answered all my questions and helped me to understand everything on my level. Even though I was often stressed in the year-plus that we worked together, she helped remind me that this is an exciting experience and I should enjoy it, too. I'm so grateful to her for that! She is also very detail-oriented and found things that helped me get the best interest rates on the market. My wallet thanks her for that 🙂 I would highly recommend trusting your next home buying adventure with Michele Herrera.
    — Kimberly W.
  • Working with Michele is always a joy. Her positive attitude with years of experience and knowledge makes what is usually a stressful process a breeze. I highly recommend Michele to anyone looking to buy or refinance a home.
    — Joseph Alfino
  • Michele is amazing! My husband and I could not have been more satisfied with her. As first time homebuyers, we had a lot of questions. She has so much knowledge and was sure to answer all of our questions in a friendly and honest manner. She is sweet and caring. I feel like we made a friend out of her. We will absolutely be recommending her to all our friends who are looking to buy a home. You can not go wrong with Michele!
    — Ariel B.
  • As first-time homebuyers, we were grateful to have an experienced and supportive partner like Michele. She helped us evaluate different mortgage options, responded promptly to questions even on nights and weekends, and always displayed a warm and enthusiastic attitude. Michele even proactively contacted the seller's agent to emphasize that we could close quickly! Michele is so much more than a loan advisor. We can't thank her enough for her professionalism, presence, and genuine passion for fulling her clients' dreams.
    — Sunny H.
  • Michele is amazing. We purchased our first home with Michele and have refinanced a couple times. She is incredibly knowledgeable and very responsive. She genuinely cares about all her clients. We love Michele and highly recommend her to anyone that's looking for a stress-free and positive home buying/refinancing experience!
    — Kaitlin Watt
  • Michelle is excellent! I recommend anyone who might be afraid to take that first step, to just give Michelle a call. It truly does not hurt to get the info and see what can be done in any individual situation. She really made me feel at ease by talking me through the details and giving me great advice to start taking steps in the home buying process. She helped me to understand where I am at, how much I could afford and what I can expect. Michelle really helped open my eyes, feel better and much more comfortable, especially since I had been fearful to take this leap. Thank you Michelle! I appreciate all your knowledge, expertise and advise. I look forward to us working together.
    — Letty C.

Client Wins

A Father's Fresh Start
Supported All the Way
With Knowledge Comes Confidence
Going Back Home



Phone: 805.770.5517

Mobile: 805.680.0066

Fax: 844.919.1571

319 E. Carrillo St., Suite 100

Santa Barbara, CA 93101

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