If you want the stability of a fixed principal/interest payment over the life of the loan a fixed rate loan may be right for you.  We have a wide variety of loan terms to fit your home ownership goals.  These loans can be used for owner-occupied primary residence, second home, investment property, and 1-4 unit properties.

We offer up to 100% financing.  Loans are available from 1 month fixed to 40 years fixed.  We have interest only options on loans that increase purchasing power and lower monthly payments.  Contact us direct for today's interest rates.     

An ARM is a home loan in which the interest rate is changed periodically based on a standard index plus a margin.  Most ARMs have caps on how much an interest rate may increase.  These loans also come in the form of fixed period ARMs where the rate is fixed for a number of years and then adjusts periodically.  For example a 10/1 ARM would be fixed for the first 10 years and then adjust every year.  ARMs are attractive loans because they offer rates that are lower than the rates of fixed rate loans.  This typically enables you to begin with a lower monthly payment and qualify for a larger loan.

This loan program is an adjustable rate mortgage with added flexibility of making one of several possible payments on your mortgage every month, in order to better manage your monthly cash flow.  The low introductory start rate allows you to make very low initial mortgage payments and low qualifying rates enable you to qualify for more home.  You can have upto four payment options.

Take control of your finances and make the most of the equity you've built in your home.  You can consolidate debts and lower your monthly payments from credit cards and other consumer loans.  HELOCS can provide you with cash for emergencies, unexpected purchases, or investment opportunities. 

Need cash fast to solve short term problems or  for construction financing?  We specialize in creating short term solutions.  By lending direct we can help.  

• $30,000 to $1,000,000
• Construction Financing 2-5 years
• Short Term Needs 1-5 years
• Qualifying by Cash-Flow
• Credit Problems are OK

We have commercial loans for all types of commercial properties.  We can finance Office, Retail, Industrial, Mixed-use, Warehouses, Self-storage, Apartments, Mobile Home Parks, Restaurants, Land, Churches/Temples just to list a few.

• No max loan amount
• Wall Street and Insurance company money
• DCR as low as 1.15
• Small loans are OK

• Purchase
• Refinance
• No max loan amount
• 100% plus financing for brand new homes 
• Up to 95% financing for 1990 or newer homes
• Cash-out options available for 1990 or newer homes (w/ 660+fico)

We are an experienced mobile home lender with over 10 years in the business.  Our professional team is here to help you relize your dream of homeownership.  We have loan products for mobile/manufactured housing  for as low as 7.308%(APR).  We also have loan products for borrowers with credit problems.  Sorry but no loan amounts below $30,000.  Call or apply online today!

Cal Coast Realty is here to serve you!  We are affiliated with your trusted lender Mortgage Funding/CalLoan.  Our service based approach to real estate transactions is supported by our exceptional team.  We hold a vast understanding of our local inventory and know how to accommodate your needs.  Call us today!