My Home Loans

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Find the right home loan for you.  Our local lending team is here to help - whether you're buying, refinancing, or tapping into your home's equity. 

FIXED RATE MORTGAGE

Fixed Rate Mortgages: A rock-solid loan that's easy to live with.  These home loans come with fixed rates, meaning you have the same monthly payment (excluding insurance and property taxes) in Year 10, 20 or 30 as you have on day one. In short, world events won't ever cause your rate to jump and you can feel more confident planning your long-term finances.

  • Local service: Our lending team is local and accessible, making all funding decisions here.

  • More loan choices: While the traditional mortgage length is 30 years, 10-, 15- and 20-year options are gaining popularity.

  • Payment predictability: Your interest rate won't ever change over the life of the loan.

  • Refinancing available: Switch to a loan with a lower rate - or change from an adjustable-rate to a fixed-rate loan to eliminate the possibility of a rate increase.

ADJUSTABLE RATE MORTGAGE

15/15 Adjustable Rate Mortgage: A simple way to experience both lower rates and long-term stability. Step one: Borrowers lock in lower initial rates for a full 15 years. Step two: After that period, your rates can be adjusted only once, allowing you to set your housing budget with confidence for the next 15 years. Planning to move again or refinance in the future? Then our 15/15 Adjustable Rate Mortgage is an even better choice.

  • A great start: 15/15 ARM features a lower initial interest rate than most 30-year, fixed-rate mortgages.

  • Just one adjustment: Rates for our 15/15 ARM can adjust only once over the life of the loan.

  • Refinancing options: If rates drop at any point, we can help you transition to a more cost-effective loan.

5/5 Adjustable Rate Mortgage: Adjustable-rate mortgages (ARMs) help you save money in the early stages of home ownership - right when you might need it most. With this popular loan, you enjoy a below-market interest rate for the first five years. That extra money can help upgrade your home, rebuild your savings or cover other costs. After five years, your rates may increase or decrease, depending on economic conditions. ARMs are a good option for people who expect their income to rise over time or who plan to move again before the introductory period ends.

  • A great start: 5/5 ARM features an initial interest rate below most 30-year, fixed-rate mortgages.

  • Adjustment period: Rates for our 5/5 ARM can adjust only once every five years.

  • There's a limit: Caps mean your rate can't rise by more than 5 percentage points over the life of the loan.

HELOC & FIXED 2ND MORTGAGES

Home equity funds are often used for remodeling projects - and who wouldn't want a better kitchen, a bigger family room or a beautiful patio? But in addition to competitive rates, CoastHills Home Equity Lines of Credit come with endless possibilities. Make a major purchase, set off on a fun vacation, pay college tuition, cover medical bills or take care of anything else life brings your way.

An attractive choice: Get your funds all at once - or access a Line of Credit whenever the need arises.

Good advice: A CoastHills Mortgage Loan Officer can help you decide which option works best for your needs.

Sky's the limit: Home equity funds can be used for pretty much anything, from wedding celebrations to roof renovations.

HOME EQUITY LINE OF CREDIT (HELOC)

  • Get access to a line of credit that you can tap into as often as you wish
  • Access funds through checks, Online and Mobile Banking and at CoastHills branches
  • Variable rates
  • Only pay on the amount you use
  • Good choice if you anticipate needing to dip into funds at various times, as might be the case with ongoing medical expenses or home improvements

HOME EQUITY LOAN / FIXED 2ND

  • Get money in one lump sum
  • Fixed rates
  • Full amount advanced up front
  • Available in 15- and 20-year terms
  • Good choice if you have an immediate need, such as a major home renovation or debt consolidation.

REQUEST A CONSULTATION

Not sure which loan type is right for you?  The CoastHills home team is ready to go to bat for you.

Finding the right home is exciting. Choosing the right mortgage can feel a little more overwhelming.

For many people, the financing side of buying a home comes with a lot of questions. It is one of the biggest financial decisions you will make, and having the right team by your side can make all the difference.

At CoastHills, our experienced Mortgage Loan Officers are here to guide you through the process with personal support every step of the way. Whether you are buying your first home, refinancing your current loan, or exploring home equity options, we are here to help you understand your choices and move forward with confidence.

Here is what you can expect when you work with our mortgage team:

  • Local expertise from people who live here, too: Our Mortgage Loan Officers live and work right here on the Central Coast, so they understand the local housing market and the unique needs of the communities we serve. They are here to provide personalized guidance and help you find the mortgage option that fits your goals.

  • Support you can count on: Whether this is your first home or your fifth, our Mortgage Loan Officers are here to answer your questions, explain each step clearly, and provide steady guidance throughout the process. Their goal is to make your home financing experience feel simple, straightforward and supported from beginning to end.

  • More than home purchases: Our mortgage team can help with more than just buying a home. Whether you are looking to refinance your current loan or explore home equity options, our lenders are here to help you understand your choices and find the solution that works best for your financial goals.

Getting a mortgage should feel personal. That is why our team takes the time to listen, guide, and help you feel confident throughout the process.