Refreshingly Different Home Lending

We are honored to serve the home lending needs of the Santa Barbara community. We strive to create a refreshingly different mortgage experience: one that's fast, easy, stress-free – and totally focused on you!

From the start, you can expect personalized service that meets your unique needs and financial profile. Because the Kelly Marsh Team takes the mystery out of mortgage, you'll always know what's going on at each step of your loan process. Crystal-clear guidance, open communication, and proactive updates are trademarks of our hands-on approach to home lending. With us by your side, you can make confident, well-informed mortgage decisions.

To get started today on your home loan, select your registered Loan Officer to prequalify or give us a call. Prequalifying allows you to see how much home you can afford and how much you could be eligible to borrow. Once you're prequalified, we will reach out to guide you through the rest of the mortgage process.

We look forward to serving you!

Kelly Marsh

Kelly Marsh

NMLS #245822
SVP | Regional Manager

Prequalify with Kelly

Born and raised in the community of Santa Barbara which she now serves, Kelly is committed to helping her clients navigate the most complex financial transaction, a home mortgage. Kelly believes clients are clients for life and continues to nurture relationships beyond the closing of the loan. Her clients are referred from a network of local businesses, including financial planners, accountants, real estate agents, and satisfied past clients.

With 29 years of experience, Kelly Marsh is a trusted mortgage expert known for her clear communication, integrity, and personal approach. She leads with heart and delivers with precision—guiding clients through every step of the home loan process with confidence. She has played a pivotal role in building high-performing teams through initiatives like Think & Grow and LULO Live, bringing deep industry insight and a commitment to service. Kelly believes every client deserves a custom path to homeownership and takes pride in making the complex feel simple—with honest guidance and results that truly serve.

Get Home happy with Kelly!
Marcy Wimbish

Marcy Wimbish

NMLS #2348631
Loan Officer

Prequalify with Marcy

When it comes to providing innovative mortgage solutions, Marcy believes no challenge is too tricky. She offers 16 years of experience in market industries and a deep knowledge of economic forces, bond markets, and mortgage structures, which has helped her hone the tools to best help her clients achieve their goals. She believes her work as a Loan Originator is based on providing creative and strategic solutions in a highly ethical way, all while building real relationships that last for life. “I want my clients to trust I will do everything to put them in the best product,” she says. “I’m happy knowing I’ve made them happy.”

Born in New York and raised in New Jersey, Marcy has called Santa Barbara home for the last 15 years. She received an MS in Artificial Intelligence from Columbia University and then an MBA in Finance from the NYU Stern School of Business, after which she worked with large international clients in institutional bond sales. She also has a deep love for helping others, and has volunteered in numerous positions and for numerous causes over the years – educating, fundraising, planning events, performing community outreach, and more. When she’s not aiding clients or volunteering, Marcy devotes her free time to her family and friends.

Get Home happy with Marcy!
Angelica Chavez

Angelica Chavez

NMLS #2071105
Loan Originator
Other Languages: Spanish

Prequalify with Angelica

Angelica Chavez works closely with clients and her team, preparing loans for closing and helping clients get into their new homes. With over 14 years of experience in loan processing, she brings an in-depth knowledge of loan products, a sophisticated understanding of the financial market, and exceptional customer service skills. She cares for people and always seeks to build long-term relationships with her clients. She focuses on educating her clients in the home-buying process while finding them the best home loan program that suits their needs. She frequently attends educational conferences and training workshops to serve her clientele better and provide five-star customer service.

Angelica has a very good understating of Santa Barbara’s unique culture and rich heritage, although born in Mexico she has been part of our community for over 30 years and has participated in multiple Old Spanish days celebrations representing her Mexican roots. She attended the University of California San Diego and shares her time between San Diego and Santa Barbara. Being fluent in both Spanish and English allows her to connect more in depth with the families we service.

Outside of work Angelica enjoys spending time outdoors with her husband and two sons.

Get Home happy with Angelica!
Dawn Flori

Dawn Flori

NMLS #507561
Loan Originator/Production Partner

Dawn Flori brings over 37 years of mortgage experience to the team, with an impressive background that spans loan origination, processing, underwriting, and closing. Her deep knowledge of the mortgage process—from start to finish—allows her to guide clients with clarity, confidence, and care.Throughout her career, Dawn has helped a wide range of clients, from first-time homebuyers to seasoned real estate investors. Her passion lies in helping people find the right mortgage solution for their unique needs, ensuring they feel supported and informed every step of the way.

With 20 years in origination and processing, 15 years as an underwriter, and 2 years in closing, Dawn’s expertise is unmatched.Known for her straightforward approach and dedication to doing what’s best for her clients, Dawn is a trusted resource and a valued team member. She genuinely loves the mortgage business and finds fulfillment in making homeownership possible for the individuals and families she serves.

Jennifer Bettis

Jennifer Bettis

Loan Processor

With over 20 years of experience in the mortgage industry, Jennifer brings a steady hand and a servant’s heart to every transaction. Her background spans closing, processing, and operations—giving her a deep understanding of the full loan cycle and the importance of precision at every stage.

Known for her steady presence and solutions-focused mindset, Jennifer is passionate about creating a smooth, stress-free experience for both clients and loan officers. She believes that behind every loan is a family, a dream, and a future—and she takes pride in making the process as simple and seamless as possible.

In addition to her operational expertise, Jennifer is known for bringing fun and energy into the workplace. She creates lighthearted, engaging videos that inspire company culture, build team connection, and celebrate the people behind the scenes—all with a touch of humor and heart.

Dawn Flori

Donna Buchanan

Client Relations Coordinator

Having lived in Santa Barbara for more than 25 years, Donna brings both local insight and a personal touch to everything she does. While relatively new to the mortgage industry, she draws from more than two decades of experience in operations, meeting planning, and incentive travel—skills that translate seamlessly into her calm, organized, and client-focused approach.

She has a natural ability to support buyers, balancing the fast-paced demands of the process with patience and clarity. Donna loves getting to know each client and ensuring they feel supported from start to finish.

Outside the office, you’ll likely find her on the pickleball court with friends or enjoying beach walks with her dogs along the Santa Barbara coast.

Our Locations

1828 State Street
Santa Barbara, California 93101
16766 Bernardo Center Drive, Suite 111
San Diego, California 92128