Choosing a mortgage professional is an important decision, and we're honored you're considering Cornerstone Home Lending, Inc. Whether you want to buy a home, refinance your mortgage, or invest in real estate, our team can help. As one of the most established santa barbara mortgage lenders, we also have access to top home loan investors, giving you the most competitive rates and terms for the mortgage you choose. VA interest rates and Annual Percentage Rates (APR's) tend to be lower when compared to other va loan santa barbara mortgage programs. Individual interest rates for VA loans are still dependent on your personal situation. Some factors that can affect VA interest rates include your credit scores, how much your down payment is, the value of the home, etc.