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About Us

At JL Lending Team, we are dedicated to simplifying the home financing process for our clients. As an independent mortgage brokerage, we have the flexibility to offer a wide range of loan products from various lenders, ensuring you get the best possible rate and terms for your unique financial situation. Our mission is to empower you with the knowledge and resources you need to make informed decisions and achieve your dream of homeownership.
About Us

Our Values

Transparency

We believe in open and honest communication throughout the entire mortgage process.

Empowerment

We equip you with the tools and knowledge to build a better financial future.

Innovation

We leverage technology to create a seamless and efficient mortgage experience.

Personalization

We take the time to understand your individual needs and find the right loan for you.

Our Mission

Our mission at the JL Lending Team is to serve as our clients’ trusted advocate in the home financing journey. We are committed to simplifying the complex mortgage landscape by providing expert guidance, transparent advice, and unparalleled personal service. By leveraging our independence and vast network of lenders, we deliver tailored mortgage solutions that align perfectly with the unique financial goals of each individual and family we serve.

Our Vision

Our vision is to be the most sought-after mortgage partner in our community, recognized for our unwavering integrity and client-centric approach. We aspire to build lifelong relationships, empowering our clients not just to secure a loan, but to confidently achieve the dream of homeownership and build a foundation for long-term financial well-being.

Get to Know Justin

Justin Leach is a Santa Barbara based home mortgage consultant with over 12 years of experience in the business and has successfully administered over $10 Billion in real estate transactions over his career. He is passionate about helping people find their way towards achieving financial freedom through real estate.
Justin is a tax-savvy and financially astute mortgage consultant. A combination that is tough to find in this industry. He possesses a deep understanding of the intricate interplay between mortgages, taxes, and overall financial planning. This enables him to provide clients with holistic advice that goes beyond simply finding the best mortgage rate.
He is a teacher at heart and is able to explain complex financial concepts in a simple manner, ensuring that clients fully understand the implications of their decisions.
In his personal life, Justin enjoys learning and practicing real estate investing, creating educational content, DIY home remodel projects, traveling and cooking.

Our Process

Discovery

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Application

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Upload Documents

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Strategy

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Underwriting

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Conditional Approval

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Appraisal

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Final Underwriting

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Closing

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Celebration

We begin our journey together by engaging in an open conversation about your personal and financial goals. Our first step is to get you pre-qualified, offering you peace of mind and a clearer path forward. Afterward, we’ll enthusiastically walk you through a range of financing options tailored to your unique needs. Together, we’ll find the solution that’s just right for you.

Contact Us

Schedule Your Free Mortgage Consultation

Our team is here to guide you through every step—book a call today and find the mortgage option that fits you best.
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