Real Estate LoansWhether you're buying or building your first home, refinancing, or looking into an investment property, Coast Central has the loan services you need at competitive rates. Review your options below - you can even get the ball rolling by applying online!
Fixed Rate Mortgages
If you're looking for a fixed rate and term so you'll always know what to expect to pay each month, a fixed-rate mortgage may be the best plan for you. You can choose from a
variety of 15-year and 30-year loans (both owner-occupied and non-owner occupied). We may loan up to 80% loan-to-value (LTV) on purchases and refinances.
Need help deciding?
Pro: The security of having a monthly payment that will not change, even if rates increase.
Con: Stability has a cost, in the form of a higher rate. Your payment won't go down when rates fall.
Best For: Risk-averse borrowers.
Looking for a Home?
Hot Deals - before you scour the MLS, check to see if Coast Central has any
foreclosures available for bidding!
Need help deciding?
Pro: The security of having a monthly payment that will not change, even if rates increase. Con: Stability has a cost, in the form of a higher rate. Your payment won't go down when rates fall. Best For: Risk-averse borrowers.
Looking for a Home?
Hot Deals - before you scour the MLS, check to see if Coast Central has any
foreclosures available for bidding!
Adjustable Rate Mortgages (ARMs)
Adjustable real estate loan terms are set in advance, but after an initial period, the rate varies. Following are the different schedule types available:
Quarterly Adjustable: Rates adjust up or down on a quarterly basis.
3 & 1 Year ARM: Rate fixed for the first three years, followed by annual adjustments.
7 & 1 Year ARM: Rate fixed for the first seven years, followed by annual adjustments.
2 & 2 Year ARM: Rate fixed for the first two years, then adjustable every two years.
5 & 2 Year ARM: Rate fixed for the first five years, then adjustable every two years.
Need help deciding?
Pro: The lower initial rate means lower monthly payments, or the ability to afford a larger loan. Plus, if the rate falls, your payment falls.
Con: If rates go up, your monthly payment will increase at the time of adjustment.
Best For: Those who want a lower initial payment amount and can tolerate the risk of increased rates, and/or members who
are likely to sell or refinance before the rate adjusts.
Looking for a Home?
Hot Deals - before you scour the MLS, check to see if Coast Central has any
foreclosures available for bidding!
Quarterly Adjustable: Rates adjust up or down on a quarterly basis. 3 & 1 Year ARM: Rate fixed for the first three years, followed by annual adjustments. 7 & 1 Year ARM: Rate fixed for the first seven years, followed by annual adjustments. 2 & 2 Year ARM: Rate fixed for the first two years, then adjustable every two years. 5 & 2 Year ARM: Rate fixed for the first five years, then adjustable every two years. Pro: The lower initial rate means lower monthly payments, or the ability to afford a larger loan. Plus, if the rate falls, your payment falls. Con: If rates go up, your monthly payment will increase at the time of adjustment. Best For: Those who want a lower initial payment amount and can tolerate the risk of increased rates, and/or members who
are likely to sell or refinance before the rate adjusts.
Looking for a Home?
Hot Deals - before you scour the MLS, check to see if Coast Central has any
foreclosures available for bidding!
Manage & Get Help With Your Account
Following are some resources you may find helpful (in addition to online banking) for managing your Coast Central mortgage loan:
View RELN Mortgage Information
If you have a "RELN" loan type, you can view additional loan information online, including your tax information, escrow details, account history, and more.
You should have received a letter from us containing your login information (new accounts will receive one shortly after the time of opening). If you did not receive a letter or need to request your login information, please give our Mortgage Services Department a call at (707) 445-8801, ext. 385.
If you have a "RELN" loan type, you can view additional loan information online, including your tax information, escrow details, account history, and more.
You should have received a letter from us containing your login information (new accounts will receive one shortly after the time of opening). If you did not receive a letter or need to request your login information, please give our Mortgage Services Department a call at (707) 445-8801, ext. 385.
Updating Your Insurance Information
My Loan Insurance - use this site to update your insurance information.
(You may also call 877-587-5750 to make any updates.)
My Loan Insurance - use this site to update your insurance information.(You may also call 877-587-5750 to make any updates.)
Having Trouble Making Payments?
Please see our loan-related Frequently Asked Questions for help keeping up with your mortgage payments (and more).
Apply Now!
Both members and non-members can apply for real estate loans online with our easy-to-use online application system. You're also welcome to use our printable application packet and
bring it by any of our locations to get started.
Our printable applications are in PDF format and can either be completed by hand or on-screen. If you fill out the packet using your computer, please print it out, sign, and return it - we currently require a physical signature in order to process your application.
Quick Links
Apply Online - your information will be sent securely to our Member Loan Services team.
Printable Application Packet
Apply Online - your information will be sent securely to our Member Loan Services team. Printable Application Packet
Our printable applications are in PDF format and can either be completed by hand or on-screen. If you fill out the packet using your computer, please print it out, sign, and return it - we currently require a physical signature in order to process your application.
