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Your home, your success.

Coastal's HomeReady Mortgage* offers flexiblities not found in other mortgages and may hep you afford a home sooner than you think.

EXTENDED HOUSEHOLDS MAY HELP YOU QUALIFY
EXTENDED HOUSEHOLDS MAY HELP YOU QUALIFY
If your household includes members who won’t be on the mortgage—such as relatives or roommates—their income may help you qualify.
OTHERS WHO DON’T LIVE IN THE HOME CAN JOIN YOU ON THE MORTGAGE
OTHERS WHO DON’T LIVE IN THE HOME CAN JOIN YOU ON THE MORTGAGE
Co-borrowers on a HomeReady mortgage are not required to live in the home, so relatives or other individuals may assist you with your home purchase.
DOWN PAYMENTS AS LOW AS 3%
DOWN PAYMENTS AS LOW AS 3%
Ideal for home buyers who can’t afford to make a large down payment.
HOMEOWNERSHIP EDUCATION TO HELP YOU SUCCEED
HOMEOWNERSHIP EDUCATION TO HELP YOU SUCCEED
Convenient online education that prepares you to buy a home and own a home for the long run.

Other Key Coastal differentiators:

  • We never sell the servicing of your mortgage, making sure you will continue to work with people here in the Triangle whenever you have a question
  • Underwriting fees are often used by mortgage lenders as a way to add profit for them without adding value to you.  But, not at Coastal.  We only charge a $400 flat fee for underwriting, meaning we don't charge for document prep fees, commitment fees or credit report fees.  This saves you hundreds of dollars in unnecessary fees. Read more about our commitment to eliminating unnecessary fees throughout Coastal.
  • Coastal is committed to affordable housing in our community.  Read more about Coastal's commitment to Habitat for Humanity of Wake County and our recording breaking year.
Your home, your success.
To learn more about our mortgages, to apply online or to connect with a Mortgage Loan Officer closest to you, please select from the options below: