Client Results

★★★★★

Proof of how we work, and why clients trust us with high stakes decisions.

Before launching our permitting and land strategy division, Cris spent years inside the real decision flow of Santa Barbara County projects. He has reviewed hundreds of projects through the Central Board of Architect Review, holds International Right of Way Association Senior Member standing, and has operated as a developer and investor. That means we understand approvals, constraints, easements, access, and agency expectations, not as theory, but as lived deal work.

These testimonials reflect what matters most in permitting too:

1. Clear guidance in plain English

2. Tenacious follow through with timelines and stakeholders

3. Early risk spotting so you do not get surprised late.

★★★★★

“Concierge-level lending that actually delivers.”

I’ve used Black Oak for multiple loans and each time received superior, personal concierge service. Cris is tenacious, explains every step clearly, and truly fights for his clients. I’ve referred friends and family and every one of them is grateful. This is how lending used to be and should still be.

MR
Revival Antiques, Pasadena, California

★★★★★

“A true five-star selling experience.”

From the first meeting to closing day, working with Cris and Black Oak was exceptional. He brought a clear pricing and staging strategy, stuck to the timeline, and communicated constantly. The marketing was first class, the negotiations were calm and strategic, and we sold above asking price ahead of schedule. Beyond results, Cris provided white-glove care and total transparency. I would not hesitate to work with him again.

LL

★★★★★

“Mortgage help made easy.”

Working with Cris and his team was extraordinary. They made the entire mortgage process easy and stress-free. I would highly recommend them to anyone needing mortgage help.

KC

★★★★★

“The best decision we made, twice.”

We sold and bought with Cris and his team twice in Santa Barbara, and both experiences were outstanding. Cris is calm, honest, and deeply knowledgeable. He never pressured us and always gave clear advice. Our home sold quickly at a price we loved, and on the buying side he was strategic and ahead of the curve. Having mortgage coordination in-house made everything smoother. Cris is not just an expert, he is a true partner.

MR