Purchase a Home

The difficulty for most people shopping for their own loan is that they don't know all the right questions to ask. Adding to that difficulty is that most lenders only have two or three programs to offer, so their job is to sell you what they have rather than finding the program that fulfills your needs.

At Cal Coastal, our professional staff will guide you through the process of home ownership. We can tailor the package to fit your needs based upon many factors, such as your current income, your expectation of future earnings, and how long you plan to own the property. A benefit of choosing Cal Coastal is that we work with over 50 different lenders. The bottom line is that whatever your circumstance may be, we have the right loan just for you. And stay assured, our professional staff is here to guide you every step of the way.

First Time Home Buyers

When buying your first home, it is important that you understand all of your options. The loan officers at Cal Coastal are here to answer your questions and help you make the right decision.

Conventional Loans

Conventional loan programs are designed for those customers with good, established credit histories. Cal Coastal offers an extensive line of conventional loan programs, whether you are buying your first home, vacation home, or rental property or refinancing your current mortgage.

FHA/VA Loans

The FHA (Federal Housing Administration) allows for borrowers with less than perfect credit to receive the same interest rate as a borrower with unblemished credit.

The first step to start the loan process is Pre-Qualification. To Pre-Qualify, use our online pre-qualification form.
 

Have questions?

Visit our Frequently Asked Questions section to get answers to common questions.

Ready to Buy your Dream Home?

Let us make your dream home a reality. Complete your request online and one of our officers will contact you as soon as we can.
Begin your Loan Application

Checklist of Information

The below listed information is usually required for the loan process.

1. Purpose of Mortgage
2. Type of Loan
3. Mailing Address
4. Social Security Numbers
5. Employment information
6. Total Monthly income and debt payment
7. Total liquid assets