Mortgages

Your Path to Homeownership Begins Here

From buying your first home, moving to a bigger one, or looking to refinance, our mortgage options are tailored to your unique needs.

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Competitive Mortgage Rates

Benefit from some of the most competitive mortgage rates in the market, designed to suit a variety of financial situations.

Mortgage Calculators

Use our mortgage calculators to estimate your monthly payments, assess affordability, and plan your budget effectively. Experiment with different rates, terms, and down payments to find what works best for you.

New or Existing Home Purchase

  • Variety of Options

    Choose from fixed-rate, adjustable-rate, jumbo, and other mortgage types.

  • Low Down Payments

    We offer flexible down payment options to fit your financial situation.

  • Expert Guidance

    Our mortgage loan officers are here to guide you through the process and find the best mortgage for you.

Refinance Your Mortgage

  • Reduce Your Payment or Term

    Take advantage of lower interest rates to reduce your monthly payment or shorten your loan term.

  • Cash-Out Options

    Access the equity in your home for renovations, debt consolidation, or other needs.

Fixed Rate Mortgage

Enjoy the stability of a fixed rate with consistent payments.

  • Our Live Better 30 Year Fixed Rate Mortgage, and Live Better 7/1 ARM features no down payment options with up to 105% Loan to Value (LTV)22 on home purchases. All while saving money every month with no Private Mortgage Insurance (PMI) requirement!

  • A fixed rate means your rate will never increase.

  • Application fee of just $1,250 and no charges for document prep or credit reports mean substantial savings.

  • Home loan amounts up to $806,500.

  • We offer 10-, 15-, 20- and 30-year mortgages with competitive interest rates.22

Adjustable Rate Mortgage (ARM)

Enjoy the flexibility of a potentially lower initial rate.

  • Our Live Better 7/1 ARM Mortgage features no down payment options with up to 105% Loan to Value (LTV) on home purchases.22

  • ARMs maximize your purchasing power by offering a lower initial interest rate and reduced monthly payments. The interest rate remains fixed for the first 5 or 7 years, after which it may adjust annually or every 5 years, depending on market conditions.

  • Application fee of just $1,250 and no charges for document prep or credit reports mean substantial savings.

  • Home loan amounts up to $806,500

Connect with a Mortgage Loan Officer

  • Expert Guidance

    Our mortgage loan officers can provide personalized advice and guide you through the home buying process. 

  • Personalized Solutions

    We’ll help you by finding the mortgage solution that fits your needs.

How The Mortgage Process Works

  • Connect with a Mortgage Loan Officer:

    Our mortgage loan officers provide expert, personalized advice on interest rates, terms, and the best options for your situation.

  • Apply Online and Get Pre-Approved:

    From application to closing, we guide you through each step of the mortgage process. Including the documentation you’ll need for pre-approval.

  • Meet with Daymark Realty:

    Our wholly owned real estate service will help you find the right home for you.

  • Get your Offer Accepted:

    Once you’re under contract for your new home, we will begin the processing and the approval for your new mortgage.

  • Finalize Your Closing:

    At closing, we’ll be there to walk you through the final paperwork as you get the keys to your new home!

Educational Resources

We offer resources to enhance your understanding of the mortgage process so you can make confident decisions about your home purchase.

Frequently asked questions about mortgages.

Coastal charges a low application fee of $1,250. You receive substantial savings because there are no charges for document prep or credit reports. Additional charges may apply depending on the interest rate and loan program you choose.
For first-time homebuyers, the minimum down payment is 3%. Subsequent purchases will require a minimum of 5% down payment.
The minimum credit score is 620 unless program-specific.
PMI is required on all loans with a down payment of less than 20% unless program specific. The cost of PMI is determined by the loan-to-value (LTV) and credit score.
With a fixed-rate mortgage, the interest rate remains constant during the life of the loan, which provides stability based on your monthly budget. With an adjustable-rate mortgage (ARM), you may have a low introductory rate. However, the interest rate may change periodically based on the ARM program.
If you are looking to lower your rate and/or loan term, refinancing your mortgage may be an option with us. For expert advice, please contact one of our Mortgage Loan Officers.
You can apply online through the Coastal website, through the Coastal App on your mobile device, or by phone at 800-868-4262.
On average, the mortgage approval process may take up to 30 days. However, depending on the situation, the process may be shorter or longer.
For expert advice, please contact one of our Mortgage Loan Officers.